Auto insurance is an amazing tool, often removing the burden of paying for your chiropractic care. To have the burden removed after an accident that results in an injury, you need to work with the at-fault party’s insurance.
5 Mistakes to Avoid When Working With an Auto Insurance Company
Auto insurance companies will bring in more money by giving you less cash for your chiropractic care. To help you increase the chances of receiving fair compensation, it’s important to avoid these five common mistakes.
1. Signing Medical Releases
Often, patients will file a claim after an accident for necessary chiropractic care. The at-fault party’s insurance company will send you documents to sign in order to verify your injuries. Unfortunately, these documents often ask you for personal medical information they’ll use to discredit your claim.
Whatever you do, don’t sign any releases. We recommend reaching out to a professional accident attorney who can help you navigate your claim.
2. Settling for the Auto Insurance Adjuster’s First Valuation of Your Case
As stated before, insurance companies make more money by paying you less. The adjusters working for the company are trained to value your case for less. They begin by setting a reserve for your case, or an estimate of the value of your claim.
Don’t settle for the first valuation given by your adjuster. It’s often not even close to the top of the reserve for your case. Instead, we recommend working with an attorney who can help you negotiate with the insurance company.
3. Settling Before You Understand the Future of Your Injury
The injuries we see at Proactive Chiropractic typically require continuous care. Some injuries, such as those of the back or neck, require chiropractic care for years after the initial injury. Insurance companies typically want to settle early on to avoid years of further payments.
You don’t have to settle quickly simply because the insurance company wants you to. Instead, wait to see how you respond to treatment. Otherwise, your own insurance will need to pay for your treatment, which may result in unfair compensation for your injuries.
Of course, it’s important to understand that there are statutes of limitations on filing and settling insurance claims. We recommend seeking advice from an attorney who understands the claim process.
4. Seeking Compensation for Unsupported Care
An insurance adjuster must justify the payment they send to you for your care. This means that the injuries you’re seeking compensation for must have documentation to support them. For example, if you suffer whiplash that requires chiropractic care, you must show medical records documenting that diagnosis.
Without documentation, your adjuster will disvalue your claim, regardless of what you say.
5. Forgetting to Be Kind
Insurance adjusters are simply doing their jobs. It’s important to remember to be kind and respectful to your adjuster for the best outcome. It’s also critical to be honest about your injuries and medical care. Dishonesty will almost always negatively impact your claim.
You Deserve Quality Chiropractic Care
After an accident, you deserve quality chiropractic care for your injuries. Whether you’re working with an at-fault party’s insurance or your own, our team at Proactive is here to help. To learn more about our chiropractic services, give us a call at 704-659-3311 or send us a message.