Types of Auto Insurance Coverage in Personal Injury Accidents

By | May 21, 2018

Many times after an accident that causes personal injury, people have no way to pay their medical bills because they are unable to go to work and they do not have the necessary savings. Many people have certain insurance coverage afforded to them based on the policy of the automobile that they were driving in at the time of the accident. In addition to that coverage, many people do not realize that they may be entitled to certain coverage under their own automobile insurance company coverage. Even if you were hurt riding a bike, as a pedestrian, or in another person’s automobile, your insurance coverage may still apply.

One kind of coverage that you can look at is called medical payment coverage. This is commonly referred to as “med-pay” or “medpay.” Not everyone has medical payment, but many people have paid an extra premium for this coverage and they are not even aware that they have it available to them when they have been involved in an automobile accident in Arizona.

Another type of coverage that people should use when they have been involved in a car accident is their own health insurance. Many people think that they should bill the adverse driver’s insurance company; however, using your own may be more beneficial. Health insurance can include Medicare, AHCCCS, Blue Cross Blue Shield insurance (BC/BS Health Insurance of Arizona is common), Aetna Insurance, Mercy Care Health Plan, ERISA Health insurance plans, and Medicare HMO plans as well. Many times doctors will not want to accept your health insurance and will want to bill your med-pay coverage. Often, doctors and health care providers can be worked with to coordinate the disbursement of the medical payment coverage. One thing to be wary of is that sometimes insurance companies will not tell a client if they have medical payment coverage. This is why attaining certified documents and copies of declaration pages can be critical in examining coverage  that will apply to your specific accident.

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Once you settle your claim, you can never re-open it. You only have one chance to settle your case for the maximum amount. One of the biggest and most common mistakes that people make is to settle their claim too soon after their injury and for too little money. One of the biggest mistakes you can make is to settle your claim when you are still going through treatment or do not know the extent of your treatment. Many times people who try to handle their own insurance claims will settle with the insurance company and then when it is time to write the checks,the injury victim is told that they have to write the check out with the name of all the providers and the injury victim’s health insurance company. Many times the health insurance company will send notification to the adverse company that the health insurance company wants reimbursement for all the medical bills they have paid out on the accident claim. There are some instances when the health insurance company is entitled to reimbursement; however, the law dictates that there are many instances when they are not entitled to reimbursement. When it comes time to settlement, many times it is amazing how medical providers and health insurance companies come out of nowhere to claim that they want a part of the settlement.

Once you have settled with the insurance company, when these health insurance companies or medical providers claim to have a piece of the settlement, it is almost always too late to re-open the claim. Also, the insurance company may only issue the check in everyone’s name, virtually making the check not negotiable, and then the injured victim has to go to great length to get all the providers and health insurance company to sign the check. Imagine having a check for hundreds of thousands of dollars and have Medicare’s name on the check, and finding out that Medicare is claiming more reimbursement than you even settled for with the adverse insurance company.

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