Who Decides on Medical Treatment and Diagnostics after an Auto Accident?May 25, 2017
If you are in an auto accident, getting the right medical diagnosis and treatment is critical. Not only do you need to take care of yourself, but your recovery and payment for your medical bills depend on getting the right treatment. This is important whether you seek these payments through the insurance claims process or a lawsuit. You have the right to see a doctor of your choosing, so you should carefully consider who the right physician may be.
You will find many referrals available for you. Legal referral services, your primary physician or your insurance company, offer referrals to specialists. You should consider all of these, but ultimately, remember that insurance claims do not require you to use a particular doctor. Some doctors do not take patients paying through a personal injury protection (PIP) policy, so you should take this into account. Do your research on any referrals so you can select the right doctor for your injuries.
PIP vs. Health Insurance
You can use your health insurance instead of your PIP policy. If you choose this route, you will need to pay attention to whom your network includes. Either way, you should look for a specialist who will focus on your injuries and give a complete diagnosis. Seek out references and ask questions; you need to be comfortable that your diagnosis and treatment plan will allow you to recover fully.
Once you choose a physician, you must seek treatment right away, and follow through on the recovery plan. If you have gaps in treatment or fail to seek and receive care quickly, the insurance claims process can deny payments for you. Additionally, if you file a legal claim, the opposing attorney will argue that you failed to mitigate your damages, potentially leading to a lower recovery. Take care of yourself completely to get full payment for your damages.
If you have been injured in a car accident, Stern and Stern can help you through the insurance claims process and bring suit to recover damages. Contact us today to get started.