Cheap Insurance

Insurance Information


Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

UK Customers: Get 10% off Zurich Car Insurance when you buy online.

Buy Now


The best judge of Total Disability and/or Partial Disability is "Ole" Doc Comfort your attending physician. The Medical Report he executes for the insurance company you're battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. His diagnosis will be crucial to I. M. Smart, the adjuster assigned to handle your claim, because it will detail the duration of your "Pain and Suffering". In addition it will also prove the time you lost from work as being legitimate.

When settlement time arrives, Smart will form a healthy portion of his evaluation based on the documented proof of the length of time of each of the following two elements: "Total" and "Partial" disability - - the both of which will indicate how much they restricted your inability to work and also your social activities.

YOU MUST CONSIDER ALL THE POSSIBLE OPTIONS FOR MEDICAL REIMBURSEMENTS: Be aware that you may be able to collect from your own motor vehicle insurance carrier (via your "Medical Payments" coverage) plus you may also be able to collect from your own health insurance policy or plan.

Yes, Rock Solid Insurance, in a clear case of liability (and as part of its settlement with you) will pay your medical bills. BUT HOW ABOUT YOUR OWN MOTOR VEHICLE POLICY'S MEDICAL PAYMENTS COVERAGE? You must read your motor vehicle accident policy carefully. It may provide you with coverage up to certain limits (one or two thousand dollars - - some a lot higher) for all the medical bills you had as a result of the accident - - regardless of who was at fault!

"Med Pay" is a separate part of your policy, which you pay extra for, but it's definitely worth it. Since you're shelling out money for this extra coverage you should consider taking advantage of what it offers.

The following people are usually covered under the Med-Pay provisions: You or any relative who lives with you (when driving or riding in your vehicle) plus anybody else who is driving with your permission (and also their invited "guests") who happen to be riding along with them in your car.

It may state in your policy that your insurance company has a right to recover the amount of the Medical Payments made to you should you (later-on-down-that-often-very-loooong-rocky-road) get paid for your loss by Rock Solid. But, even if you don't, you'll still be paid for your medical bills under the Medical Payments (Med-Pay) Coverage of your motor vehicle insurance policy without having to pay your insurance company back.

It's usually a practical move, to elect to file a claim with your own auto insurance company (under the Med-Pay Coverage) so you can be confident all your medical bills are paid in time. Otherwise, your medical providers may get upset because they'll have to wait far too long to be paid (somewhere down the line - - perhaps a year - - sometimes much longer) until you finally settle for your loss with The Rock Solid Insurance Corporation.

***** ***** ***** *****

YOUR OWN HEALTH INSURANCE POLICY/PLAN: There's another possible medical bill coverage for your accident - - and that's your Health Insurance policy or whatever Health Plan you may be under. If the Med-Pay provisions of your motor vehicle policy state that they must be paid back, should you collect from Rock Solid, you may find it more advantageous to file a claim under your Health Insurance policy or some other Health Plan. HOWEVER: You should check the wording in those policies very closely because they may NOT require you to pay them back for the medical payments they've made on your behalf - - even if you collect for your loss from The Rock Solid Insurance Corporation !

There's nothing wrong or immoral about collecting money from more than one source for the same medical bills. Think of it like a Life Insurance Policy. If an individual is paying premiums for three $10.000 Life Insurance Policies and they pass away, is the love-of-their-life (as the named beneficiary) entitled to $10,000 or $30,000? Indeed, because the premiums were paid on all three, that individual is entitled to a payment of $10,000 times three, or $30,000.

By the way, if Adjuster Smart happens to ask you if you have any such options, don't tell him. Whatever other insurance coverage's you have is your own business! It has absolutely nothing to do with the value of your claim, how much money you should be paid for your "Pain and Suffering", nor any other portion of your loss.

NEVER FORGET: You've already paid for these types of coverage and you're entitled to be paid under all your options for reimbursements - - even if that means you're paid by multiple sources for the same bills !

***** ***** ***** *****

DISCLAIMER: The only purpose of this article ~ YOUR PERSONAL INJURY INSURANCE CLAIM ~ SEVERAL CRUCIAL SOME "INSIGHTS" INTO MEDICAL REIMBURSEMENTS is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor EzineArticles.com make any guarantee of any kind whatsoever; NOR to they purport to engage in rendering ay professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.

Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor, and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim cases. He has had 3 "How To" Insurance Claim books published, the latest being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. (How To Evaluate And Settle Your LOss).(EZINE ARTICLES = If you want one of these MUCH LONGER with much more depth please advise and I'll send it to you. Thanks.

Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book explains, in simple language, "How To" handle your motor vehicle property damage and/or personal injury claim so you won't be taken advantage of. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the "Pain and Suffering" you endured - - because of your motor vehicle accident injury!


MORE RESOURCES:
This RSS feed URL is deprecated, please update. New URLs can be found in the footers at https://news.google.com/news


NBCNews.com

Can You Get Health Insurance Subsidies If You Buy Off-Exchange?
ConsumerReports.org
Q: I buy my health insurance privately through an insurance company, not the Affordable Care Act exchanges, and don't get a financial subsidy toward premiums. If I lose my job next year, can I sign up for an ACA plan and maybe get some financial help ...
Tax bill kills health insurance mandate. Who will pay more? - NBC ...NBCNews.com
Strong Demand for Health Insurance as Deadline LoomsNew York Times
The Obamacare deadline to sign up for insurance is Friday. Here's what you need to knowPBS NewsHour
Kaiser Family Foundation -Milwaukee Journal Sentinel -FOX Carolina
all 407 news articles »


NPR

Health Insurance Bargains Still Available For Many, But Deadline ...
NPR
Shop around. That's the advice of health insurance navigators for people seeking health policies on the Affordable Care Act's state and federal exchanges. Premiums have climbed but so have subsidies.

and more »


Lawfare (blog)

Peter Strzok's 'Insurance Policy'
Lawfare (blog)
He argued in response that the odds against a Trump victory offered no reason to be complacent and gave an example: The odds are also very much against you dying before the age of 40, but you probably bought insurance at that age because dying with a ...
Republicans turn focus to FBI's McCabe over texts on 'insurance' against TrumpFox News
Peter Strzok's "Insurance Policy"Reason (blog)
Grassley to DoJ: You'd better explain Strzok's “insurance policy” against TrumpHot Air
WND.com -Wall Street Journal
all 94 news articles »


CBS Philly

ACA health insurance applications due Friday
Alaska Public Radio Network
... associated with certain health conditions and has reduced the average cost of an individual health plan in Alaska by 22 percent. Nearly 20,000 Alaskans signed up for insurance last year. This year's enrollment period is six weeks shorter than last ...
Deadline To Sign Up From Health Insurance Through ACA LoomsCBS Philly
Health Insurance Tax still set to take effect Jan. 1KTUU.com
Friday's the deadline to sign up for your own health insurance; experts warn many may miss itLancasterOnline

all 12 news articles »


mySanAntonio.com

Insurance broker testifies in former SAISD trustee's bribery trial
mySanAntonio.com
Sam Mullen, co-owner and chief financial officer of the now-defunct insurance brokerage firm, cultivated cozy relationships with key San Antonio Independent School District trustees to keep earning commissions from high-dollar insurance contracts, he ...

and more »


American Family Insurance buys Chicago software firm
Madison.com
American Family Insurance has purchased Networked Insights, a Chicago data analytics software firm that scrapes social media to find out what people are saying online in their blogs, tweets and reviews and uses the data to advise companies on marketing ...
American Family Insurance invests in advanced analytics and AI through acquisition of Networked InsightsBusiness Wire (press release)

all 5 news articles »


Chicago Tribune

Millions of Children Could Lose Health Coverage Starting Next Month
New York Times
Millions of Children Could Lose Health Coverage Starting Next Month. By HAEYOUN PARK DEC. 14, 2017. Lawmakers have yet to renew federal funding for the Children's Health Insurance Program, also known as CHIP, which insures nearly nine million children ...
Slowik: Millions of children could lose health insurance if Congress doesn't fund CHIP. Does the GOP care?Chicago Tribune
States Prepare to Trim Children's Health Coverage as Funds DwindleU.S. News & World Report
Nine million children may lose insurance if Congress doesn't act soonYourErie
WSAV-TV -Kansas City Star -Romper
all 61 news articles »


Investor's Business Daily

Sen. Collins' ObamaCare Rescue Plan May Blow Up Insurance Markets
Investor's Business Daily
Sen. Susan Collins believes she's on a mission to save the individual insurance market from collapse, but the opposite is much closer to the truth. The fix she is insisting her GOP colleagues accept to win her vote on tax cuts would cost working-class ...

and more »


MarketWatch

Renters: don't expose yourself to these 5 big risks
MarketWatch
This puts them among the 59% of renters who don't have renters insurance, according to a poll from the Insurance Information Institute. On the other hand, 95% of homeowners carry homeowners insurance. Granted, renting comes with fewer property ...

and more »


NBCNews.com

Last week for health insurance on battleground Obamacare markets ...
NBCNews.com
Despite endless repeal efforts, millions are signing up for health insurance on the Obamacare markets in the final days of open enrollment, and finding bargains.

and more »

Google News

Cheap Insurance | Car Insurance Glossary | Zurich Insurance | Cheap Car Insurance | Car Insurance Quotes | Classic Car Insurance | Articles | Insurance | site map
© 2007 www.thecheapinsurance.co.uk - Cheap Car, Auto and Home Insurance