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Insurance companies might attempt to refuse medical costs, lost wages, transportation to medical facilities, and other accident-related expenses. They do this in hopes of paying out as little as possible in automobile accident claims and keep a higher amount of profits for their employers and shareholders. There are a few instances that insurance companies frequently use as a tactic to escape from paying your accident-related medical expenses. Some of the main claims insurance companies insinuate are:
You have a pre-existing condition
Insurance company adjusters may try to state that the medical bills you submit to the insurance company are unrelated to the automobile accident in question. They will argue that the medical treatment is instead related to an injury you had before the car accident. However, it is very possible that your pre-existing condition worsened after the traumatic car accident experience OR you may suffer from new injury altogether. What really matters is your health and if you did get injured from this car accident; if that is the case then your medical bills must be covered by the insurance company.
Your injury could not have been caused by the accident
Insurance adjusters are not the healthcare professionals who gave the diagnosis. Therefore, it is important to trust your doctor’s professional knowledge on your injuries following the car accident. Additionally, your personal injury attorney lawyer will also have your back to prove cause of your injuries to the insurance company. Do not always believe what the insurance companies communicate to you, as they have the primary interest of their corporation’s money at mind.
You were not in pain at the scene of the accident
Many car accident victims will not encounter pain instantaneously, even though they did get injured in the collision. You may not feel the pain until days later, in which you should immediately visit a healthcare professional for an accurate diagnosis. In the days following the car accident, if you received medical treatment in which the doctor concluded that your pain is related to the crash, then the insurance company may still be liable for paying your medical bills.
You did not take an ambulance to the hospital after the accident
Your medical records document the extent of your injury, based on the examination from a doctor. This provides plenty of information to support the fact that you have sustained injuries from the car accident in question. If the evidence from the records is very strong, this will rid any doubt the insurance has about the injuries you have experienced and how they impact your life.
You are saying you are more injured than you actually are
Your medical records document the extent of your injury, based on the examination from a doctor. This provides plenty of information to support the fact that you have sustained injuries from the car accident in question. If the evidence from the records is very strong, this will rid any doubt the insurance has about the injuries you have experienced and how they impact your life.
You received treatment for too long
If you are injured from a car accident and are undergoing medical treatments that control pain, improve condition, or prevent your condition from worsening; these are all procedures/medications that are typically covered by insurance companies. An insurance company may state that a one or more of your specific treatments is not needed and deny a claim to pay for such medications. Ultimately, this situation is up to your doctor’s ideology behind advocating the specific treatment and your lawyer’s arguments to the insurance company. In which case, Ramos & Ramos is here to stand up for your rights and lead you to the road to recovery.
