Creativity

Innovation

Originality

Imagination

 

Injury Doctors Blog

This blog contain information for personal injury, workers injury, chiropractic care, and DOT exams.

Download

Who pays for care after a car accident if it isn’t my fault?

Car accident injury severe

Typically, the person who caused the accident will pay, that is of course if they have insurance. If they don’t have an insurance they will still be responsible for care but it will be difficult to get compensation from them.

But before we get into the details of who pays, it’s important to understand that this can be a long process, so let’s start from the beginning.

An accident has occurred, if everyone is okay there is not a need for an ambulance, but it is heavily recommended that you call for the police to have an accident report created.  While this does not seem too important if all parties are okay and there seems to be only physical damage to your vehicles, it is still vital to have because without the report, it comes down to your word versus the responsible party’s word.  I have seen many people talked out of calling the police by the responsible party, by providing their information and promising to fix everything, only to hear from my patients that the responsible party then turned around and claimed it was the other party’s fault.  Most of the time, they are able to get things proven by the damage on the vehicles and the reports of the parties involved, but not always.  This will leave you will possibly having to pay the bills through your insurance or out of pocket. 

However, if a police report was made and it has been proven that you are not the responsible party, then it will depend on whether or not the other party has insurance.  If they are not insured, you may find yourself having to go through your insurance or out of pocket to cover your losses. 

If you have insurance and the other party does not, then you will have to see exactly what coverage you have available.  If you have Personal Injury Protection (PIP)it can be used to cover the cost of your vehicle, treatment or lost wages.  Great news!  But…Wait.  Most PIP plans are only for $2,500.  If you were taken to the hospital after the accident you can rest assured that most of that amount, if not all of it, has been exhausted.  Unfortunately, $2,500 is not a lot of money when it comes to hospital and medical bills but it is a great starting point.  This would be a great time to see if you have PIP coverage within your policy.  If you do not, you should really consider adding it.  For $2,500 of coverage you will normally only pay a few more dollars per month.  At the very least, it will help you cover some of your expenses.  If you already have PIP for the minimum amount, you should greatly consider upping it to $10,000 in coverage.  It will be slightly more per month that it already is, but you be glad you have it if you ever have an accident. 

No PIP?  Well, you can look into your coverage to see if you have something called Uninsured Motorist Coverage.  It is what it sounds like.  Coverage in case you are in an accident with a motorist who does not have insurance.  This is not standard and you will need to see if you have this type of coverage.  It will cost more per month, but will be worth it should you have an accident what a motorist who does not have insurance.

At this point, if the other party does not have insurance and you don’t have PIP or Uninsured Motorist Coverage, you may have to file a claim against your own insurance.  This is called a First Party Claim.  You will need to call your own insurance company and report the facts of the case.  Remember, an insurance company will help you, but their ultimate goal is to save as much money as possible.  Be honest and don’t let them talk you out of care that you may need in order to save you both time and money.  Get the care that you need and that you pay for in monthly premiums.

Now, what do you do if the other person does have insurance? 

If you have filed a police report and the other party has insurance you will need to find a place to treat.  Most family practice doctors, your regular medical doctor who sees you for all of your problems, will not treat you for the injuries that you have sustained.  Many patients I talk to are upset because they don’t understand why their normal doctor won’t see them.  When patients walk into my office, they are still upset and for good reason.  Most emergency room doctors and administrators do not tell patients where to go after they have been treated at the hospital.  In fact, the injured patients are often told to see their family doctors after being released from the hospital.  Thinking that information is correct, many patients will call their doctors and make an appointment.  Often times waiting a week or more to see their physician, only to be told in the waiting room or as soon as they see the physician that they can’t be treated.  The reason – because they are a car accident victim and their office can’t treat car accident victims.  Many times no other reason is given.  I will tell you why they won’t treat you.  It is because they do not accept third party insurance claims. 

A third party insurance claim is a claim by one party against the insurance of another party.  In our case, it will be you, the victim, filing a claim against the other party’s, the person responsible for the accident, insurance company.  Most medical doctor’s offices do not want to deal with this type of claim because it can sometimes become delayed or not paid out at all.  This type of claim is too risky for doctors who don’t deal with the insurance complication often enough, so they will not take the chance of not getting paid. 

Luckily for most patients, there are always a few clinics that take third party insurance claims.  At San Antonio Pain and Injury Doctors, we specialize in third party insurance claims and welcome all patients.  We work with insurance adjusters to ensure that you get the care you need by following state guidelines and getting documentation over for review right away.  Our goal is to get you better as fast as we can.  Many times we can get a person better without affecting their work or school schedules.  We have convenient hours and are open on Saturdays to help get patients in for care. 

I have heard that I need an attorney?  Is that true?

Not always.  I have treated many patients who went the path of the third party insurance claim with no problems.  It is often easier to get the care done and submitted through a third party claim if there are no problems with the case and liability has been accepted by the responsible party. 

Sometimes though, attorneys are necessary.  I would consider an attorney if your injuries are severe or you are already getting friction and trouble from the claims adjuster about your accident and care.  If you hire an attorney, the insurance company must contact them instead of contacting you directly.  This is a good thing if they are constantly contacting you asking for an update or if you have finished care and are ready to settle for a specified amount.  An attorney can also help you by gathering information for your case and getting information ready in case the whole thing has to go to court.  Finally, an attorney is especially helpful at assisting in getting you the care you need.  Most car accident clinics that do third party insurance claims, also accept Letters of Protection (LOP’s) from attorneys.  An LOP is a somewhat promise from the attorney that the medical bills accrued in the process of treating the patient from injuries suffered from the accident will get paid if there is a settlement.  I know LOPs don’t sound too impressive, but many times, that LOP will get patients in the door to get MRI’s or see pain specialists. 

It is important to know which attorney to choose, as not all attorneys are personal injury attorneys.  Plus, you want an attorney that will be willing to go to trial, not all attorneys are ready for that type of commitment.  At San Antonio Pain and Injury Doctors, we work with many experienced trial based attorneys and have several options for patients to choose from should they so desire an attorney to represent them.  Give us a call today if you have any questions regarding your care or your case.  We offer a no-cost consultation to all personal injury victims.  

Rate this blog entry:
Continue reading
1298 Hits
0 Comments

Tips to Find a Doctor after an Automobile Accident

Going back home and treating yourself with first-aid is not a viable way to get completely healed after an automobile accident. Find a reliable injury doctor that can diagnose you, after checking the MRI and X-ray reports if necessary, he can let you know about the treatment you need to recover. It is also the responsibility of a good doctor to help you by referring experienced chiropractors and physiotherapists that you need to heal whiplash or other injuries that have affected you during the collision.

Tips to find the best automobile accident doctor

Research can help you

Accidents are unpredictable, but having some handy measures can be effective at times of the serious situations. You can research local injury doctors that offer immediate help to accident victims. For example, if you have ever visited such a doctor with your friend or colleague, you can keep the card of the physician just in case you need him in future. If unfortunately, you experienced the unpleasant event of a car accident, you don’t need to look for a doctor. You can visit him/her straight without a second thought. Hence, do some prior research to avoid more complications in the future.

Seek reference from your family doctor

If you are struggling to find a doctor and don't have a clue where to look to find a reliable injury physician or a chiropractor, have a word with your family physician. Let him check you first and then you can seek the services of a specialist to diagnose whether there is any issue with your health. Particularly, if you are diagnosed with whiplash, back pain or head injury, you will need a chiropractor immediately. Understanding the depth of the situation will allow your family doctor to find you a suitable physician.

Use search engines to locate an injury doctor

Use search engines to track local doctors specializing in treating accident patients. You can call the top listed doctors and choose one to setup a consultation. Many times these consultation exams are free. A local search engine search on an accident doctor will be one of the most sought after ways to get in touch with a reliable injury doctor that can fix your back pain or joint injury affecting your physical health soon after the accident.

Scan the reviews

Check the reviews before finalizing a car accident doctor. You can explore the testimonials and see how existing or previous clients are responding to the services the doctors have offered them. From the reviews, you can know a lot of things about the doctor such as behavior, expertise, honesty and the satisfactory level of the previous clients. Depending on the doctors reviews you can choose a chiropractor that can help you recover quickly.

Ask an attorney

If you have hired an attorney to help with insurance for the accident or to claim damages from other parties, you can ask for a reference to a reliable injury doctor. Car accident attorney deal with accident cases requiring doctors frequently and can help you out by referring a reliable and talented accident doctor.

These are some of the most popular ways to find an automobile accident doctor.

Author’s Bio

Located in San Antonio, Texas Dr. Rojelio Solano D.C is a well-known chiropractor. Besides running several clinics he is keen in writing articles and blogs on Personal Injury, Private Insurance, Decompression Therapy, Worker’s Compensation Medicare and Massage Therapies.

Rate this blog entry:
Continue reading
1810 Hits
1 Comment

Did my car accident cause whiplash?

What is whiplash?

whiplash injuryWhiplash is the injury of the spine, intervertebral joints, ligaments, and/or cervical muscles of the neck. Many doctors will refer to whiplash as neck strain or neck sprain. Whiplash gets its name from how your head and neck move when your body experiences a sudden forceful change in duration.

When does whiplash occur?

Whiplash typically occurs following a sudden acceleration for deceleration to the body that causes quick forward to back or side to side movement. Whiplash can be caused my many different forces, but motor vehicle accidents are the most common cause of whiplash. Over one million whiplash injuries occur from car accidents every year. The abrupt jerking motion of the head during a car accident applies a tremendous amount of stress to the neck which often results in some level of injury. Any type of car accident collision can cause whiplash, although whiplash most commonly occurs during rear impacts when the auto in front is stationary or moving slowly.

How serious is whiplash from car accidents?

Fortunately whiplash is generally not life threating, but injuries can range anywhere from mild soreness to unbearable pain. Some people who have suffered whiplash as part of a car accident injury will have the symptoms resolve on their own, but many will continue to experience the symptoms for many years after the injury if they don’t purse treatment with a doctor knowledgeable in the treatment of whiplash injuries. Whiplash is serious enough that you need to get yourself seen right away if you believe you are injured. You can follow this link to learn more about the seriousness of car accident whiplash injuries.

What are the symptoms of whiplash?

The typical symptoms of whiplash are neck pain and stiffness, headaches, dizziness, pain in the shoulders or back, pain or numbness in arms or hands, trouble concentrating or remembering, irritability, and/or fatigue. According to WebMD Pain Management of Whiplash the symptoms of whiplash maybe be delayed for more than a day. Recently in our San Antonio office we have had several patients that didn’t show significant symptoms until several days after their car accident. Often patients tell us without treatment their symptoms continue to worsen each day after the injury.

How do I know if I have whiplash?

If you have experienced any type of traumatic force to your upper body and have any combination of the symptoms above there is a chance that you may be suffering from whiplash. It is very difficult for anyone to self-diagnose themselves therefore is pertinent to see a medical provider if you have any whiplash symptoms. In most cases whiplash injuries are to soft tissues of the neck such as discs, ligaments, and muscles and cannot be seen on X-rays. Typically a Computed tomography (CT) scan or magnetic resonance imaging MRI can be used to help diagnose auto injuries to your body. The physicians at San Antonio Pain and Injury Doctors use the latest tools and techniques to help you properly diagnose your car accident injury and get you the treatment you need. If you believe you are suffering from a whiplash injury we urge you to see help from a trained car accident physician to ensure you are getting proper care.

Rate this blog entry:
Continue reading
2027 Hits
0 Comments

Should I hire an attorney after a car accident?

There are a lot of questions that go through your mind when you are in a car accident. What am I going to do? Who is going to fix my car? Who is going to pay my medical bills? What do I do next? Do I need a personal injury attorney?

The process is confusing, but we make it simple. Our Personal Injury Doctors, we do everything we can to assist our patients with the entire process. There are two routes that most patients choose when dealing with an auto accident injury.

  1. Representing yourself directly with all insurance companies involved.
  2. Acquiring attorneys to represent your interests.

Both options come with positives and negatives. The choice is up to you, but there are a few things that you should consider. Most prevalent will be the severity of your accident. If there is hardly any damage and you are not in any pain, it may benefit you deal directly with your auto accident insurer. This will be because the property damage from the car accident will be very low and your medical bills may be very low. There should be hardly any hassle getting your case resolved. Before you make this decision though, you should be checked by a car accident doctor to ensure you are fine.

Now, if your property damage is severe or you are in significant pain then the attorney route may be the best option for you. With medical bills and damage being higher in cost, you may need help dealing with insurance companies as sometimes insurances companies attempt to have you accept a lower amount to cover your bills. If you have never been in a car accident before, it may be in your best interest to have an attorney ensure that you costs are covered and that you get the medical attention you deserve.

Our Car Accident Doctors can provide you with a free health exam that can help you decide which option is be best for you. Our initial consultation is always at no cost to you.

Rate this blog entry:
Continue reading
2147 Hits
0 Comments

 

logo 1

 

 

San Antonio Pain and Injury Doctors
15679 San Pedro Ave.
San Antonio, TX 78232