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Anatomy Of An Auto Accident Injury Claim - Auto Insurance Anatomy _____________________________________________________________________________________

By Lious John -

As an accident injury attorney, one word I often hear from clients is "overwhelming". One of the biggest reasons people who have been injured in an accident eventually seek assistance from an attorney is because they are overwhelmed. The goal of this article is to give a brief overview of the injury claim process in general, as well as the different types of insurance coverage usually available. Often times a situation becomes less overwhelming when you can see the forest through the trees. Bear in mind this is an overview. If you have been injured in a car accident, you should speak with your own legal counsel regarding the specific facts surrounding your situation, as well as the applicable laws of your state.

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You're on your way to work, listening to Mike and Mike in the Morning while sitting in traffic, when all of a sudden, WHAM! You are rear-ended by a 17 yr-old texting on their way to school. Initially, you are

stunned. It takes a minute for you to realize what has just happened. You get out of the vehicle to assess the damage and make sure everyone is okay. You chastise the knucklehead kid behind you for not paying attention to the road, but at the same time you assure him everything is going to be fine. It's not until five hours later that you notice the sharp pain that shoots down your arm when you turn your neck to the side. You try to ignore it and assume it will subside after a few days; however, a month later the pain is still there and not showing any sign of improvement. Immediately following the accident, you were contacted by the insurance company for the kid who rearended you. You voiced your concern regarding the pain in your neck and arm; and you know a claim has been set up with the at-fault liability carrier, but you are receiving countless bills in the mail for the medical treatment you have received thus far, and you are not sure when the bills will be paid, what to do or what happens next.

One of the most important things when dealing with an injury claim is knowing what coverage you have available to you. Aside from the auto coverage for the person who caused the accident, the first coverage you have available to you is your health insurance coverage. Many people are reluctant to have their medical bills processed by their health care insurance provider following an accident. The failure of injured parties to submit their bills to health insurance is due to misunderstanding as to how the claims process works, but this failure is also due in large part to the encouragement of health care providers.

Many health care providers encourage patients not to have their bills submitted to health insurance in the hopes the provider will be able to recover more if they are paid directly from the auto liability carrier. Health insurance carriers have negotiated reduced rates with health care providers, and if the providers submit their patients' bills to health insurance, they will be forced to accept a contractual reduction in their price for services rendered. In most cases, you want your bills to be submitted to health insurance. First, because submitting your bills to your health insurance carrier will help keep you from being sent to collections. Most injury settlements are paid all at once. In other words, the auto carrier providing coverage will not pay your bills as you receive treatment. The liability carrier will only pay once you have reached settlement of your claim, or you have won a verdict in your favor at trial. Injury claims typically go on for months if not years. Having your bills submitted to your health insurance carrier will help prevent you from being sent to collections.

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Auto insurance anatomy  
Auto insurance anatomy  

Aside from the auto coverage for the person who caused the accident, the first coverage you have available to you is your health insurance c...