Importance of Going to Reputable Doctors After a Car Wreck

A few of the main reasons it is crucial to get an honest reputable doctor when dealing with getting compensation for medical bills after a wreck is that a doctor who is dishonest might:

Falsify Reports: For instance, your doctor might put in his daily report on your treatment that you are getting better to make him look like he is actually treating you successfully. I personally encountered this where I told the doctor I was experiencing a pain level of 7 and he reported that I said a 5. This could come back to haunt you when attempting to reach a settlement, because if an official doctor’s report says you are better, your word that you are still in pain is not taken seriously.

TIP: ALWAYS CHECK WHAT THE DOCTOR’S REPORT SAYS. ASK FOR A COPY EVERY NOW AND THEN. IT IS YOUR RIGHT!

Rack-up Medical Bills: Simply because a doctor knows that you are not self-pay and an insurance company is paying, they will try to get the most out of the situation. This may include charging for services never rendered or giving you too much treatment that is not really beneficial to your health like seeing you five times a week instead of three.

TIP: BE THE CONCERNED PATIENT & ASK WHY YOU ARE RECEIVING A CERTAIN COURSE OF TREATMENT.

If something like this were to happen your insurance company may refuse to pay and stick you will the bills or they make attempt to call the doctor behind your back to negotiate you bill which makes for a very uncomfortable situation when you to go back and see this doctor.

If the doctor is unethical he/she may be passive aggressive about the occurrence which could lead to mistreatment or loss of medical records as in my case. So even though you are not paying your bills, it is a good idea to keep up-to-date on what services and products your doctor is charging you.

Won Treat Need Properly: When all you might need is a few minor services or medications your doctor may order un-needed expensive tests which are not conducive to your health.

Waist of Time and Money: If your doctor is not concerned about your health and doesn’t listen to your pain, then you are loosing out on a small window of opportunity in which you are more susceptible to achieving a full recovery. This is something no amount of money can compensate for. Only go to a doctor who listens to you and is willing to treat your need and not his/her needs.

TIP: IF SOMETHING IS FISHY ABOUT THE WAY DOCTOR IS TREATING YOU, MAKE SURE YOU ASK FOR ALL MEDICAL RECORDS BEFORE ACTUALLY DISCONTINUING SERVICE, BECAUSE AFTER YOU ARE NO LONGER A PATIENT THEY WILL NOT BE AS WILLING TO WORK WITH YOU.

How to Communicate with an Insurance Adjuster After a Auto Accident

If you chose not to continue to deal with an insurance adjuster on your own and not get a lawyer, you have a couple of resources to resort to:

(1) Call their manager directly. Don’t just say you will call them or threaten with this, because words will NOT help you much. Speak with action. Call the manager and ask him/her to call you back on their office’s expense. Discussing the situation with the manager will upset your adjuster, which will probably NOT help much, but let’s face – they will continue to treat you in this way, so at least for now you will have the upper hand.

(2) Described your situation in a brief 1-2 page complaint and submit to your State Insurance Commissioner’s Office. While they cannot pressure your insurance for a settlement, they are obligated by law to register your complaint, contact you back and force the manager of your insurance’s local office to contact you and discuss your case. Again, this may not help you much, but it does help public records. If every mistreated customer files a complaint, the insurance will eventually have to deal with the State Insurance Commissioner on a higher level.

3 Secret Effects of Whiplash Type Injuries

This following is based on a TRUE STORY, but is only a personal perspective from a REAL person after a REAL auto accident:

Whiplash is a tricky thing.  After you have been in a car accident, you check yourself; you look good, no broken bones, no brushes, no bleeding, and you say to self, “self, I’m okay”.  And in the moment you are okay, because your pain is masked by the overwhelming rush of adrenaline that is going through your body after such a trauma.  And yes, even though you may have been in only a minor finder bender, you have gone through a trauma.  Our bodies were not intended to be jerked around like so.

Then what happens with whiplash is you wake up the next day and are a little bit stiffness in your body and you try to convince yourself this is natural and you take a minor pain reliever.  The medication is now the thing that is masking your problem and you say to yourself, “self, I’m okay”.  You are embarrassed to make a big deal out of a non-obvious problem and try to convenience yourself it does not exist.

So, by the time you actually recognize you have a problem and go to a doctor, the x-ray show you have lost the natural curve in your neck and your spine is off-line.  And of course you think no big deal and your doctor says give me 3-5 weeks and you will be fully recovered.  Yes, you will feel okay because of being under current treatment and your alignment will look better, but for some reason you will never fully recover.  When the treatment stops, your pain comes back.  It can also come back accompanied with numbness, migraines and other problems you would never imagine.  Then years down the road your problem with your loss of curve in your neck becomes so bad, your bones start to fuse together and surgery is the only relief you find.

And the trick here is that you have already signed a general release with the insurance company and you are stuck with a life time of pain, suffering, loss of life, and medical bills after medical bills.

CLICK HERE TO SEE CHART OF WHIPLASH INJURY:  PHYSIOPEDIA.COM

What Type of Doctor Should I See After A Minor Accident?

The first thing to do is immediately after an accident is without hesitation, go directly to the emergency room. If an ambulance is not called, then have a friend take you. If you take yourself, then the legitimacy of your physical injuries might be questioned.

While you are at the ER, be sure that you actually get to see a doctor and not just a physician assistant. If X-rays are not taken, request them without being stuck up or bossy. Also, be aware that you will be treated differently due to that most ER personal will not want to get personally involved in your case so to avoid a legal case associated with most auto accidents. So, having said this, you sometimes have to be insistent with your treatment because you may have a serious injury that could be overlooked.

The next thing to do would be to follow the recommendation of the ER physician who will more than likely tell you that if you are not feeling better within the following “x” days, you should see your personal physician.

Regardless of whether you have a personal physician you should make sure you see an MD as opposed to an OD or chiropractor whom are not taken as seriously by insurance companies. However, this is not to say that after you see an MD you cannot go to a chiropractor. If possible and you are suffering with a soft tissue damage and have intentions of going to a chiropractor, get your MD to recommend one to you so this conversation will go in your medical records. This will come in handy in the future when the insurance company attempts to say they will not pay because you are not seeing an MD or physical therapist.