Recently in Insurance Claims Category

July 27, 2010

Emergency Room Costs are they Excessive in Texas?

Medical costs associated with any type of vehicle collision are never insignificant and with truck accidents often are out of sight.

There is no shortage of statistics and reputable organizations to provide them in this country.

For instance, in an article in Money Magazine two years ago they cited the AAA findings that place the annual costs of accidents at $164.2 billion dollars or $1,051 per person.

These figures include the actual costs of short and long term medical care, emergency and police services, property damage, lost productivity and quality of life.

So what are the costs of authentic hospital tests? And what types of injuries call for their use? In fact, this topic is so complex that no simple answers are possible.

However, let it suffice to say that there is not enough room in this blog to provide sufficient answers. In the following few blogs though we shall consider the costs and use of MRIs, CAT scans, X Rays, orthopedic procedures, bone imaging, and ER visits.

Perhaps a better understanding of the price tag medical emergency services will give drivers a reason to redouble their efforts to drive defensively.

Unfortunately this does not even take into consideration the cost of increased vehicle insurance to offset these figures or the impact accidents have on a family finding themselves having to replace a car that has been declared a total loss.

Very rarely in Texas is the victim made whole on a property damage claim. Why is that? The answer is that consumers in Texas no longer have much legal recourse against their own insurance company when their own insurer treats them poorly.

Or sure you can litigate with your insurance company your property damage claim but they do not have to pay your attorney's fees.

It is time Texans demand that our elected representatives let us hold accountable the insurance companies who take our hard earned money.

Continue reading "Emergency Room Costs are they Excessive in Texas?" »

February 23, 2010

10 things you need to know about car accident injury claims

You have been hurt in a car accident, and the other persons insurance company is on the phone- what do you need to know?

First, you need to understand that the insurance adjuster is on the other side and wants to pay you as little as possible. Do not trust that the adjuster has your interests at heart-they don't.

Second, what you say truly can hurt you. It is important to be truthful, with the insurance adjuster and it is best to talk with a Houston car injury claims attorney prior to giving any recorded statement.

Third, follow up with your doctors and heed their treatment advice. Large lapses in treatment will result in the insurance company discounting your claim.

Forth, get photographs of the automobile accident site, the damaged part of your car, the other person's car and any visible injuries.

Fifth, keep all paperwork, witness names and numbers, the officers name and case number and of course the insurance information of the other driver.

Sixth, realize that your own auto insurance policy may provide benefits to you independent of the at fault drivers insurance in car accident injury claims. You pay for it- if you have it, use it.

Seventh, just because, you were released from the emergency room does not mean you are going to be fine. Emergency rooms are designed for emergencies, not ongoing treatment and x-rays do not show some common serious spinal cord injuries like herniated discs on Ct scans or MRI will diagnose a bulge or herniated disc. If you still are having issues go to a doctor of your choosing.

Eighth, never ever contemplate setting your auto accident injury claim until you have been released from your doctor and feel fine, or you have a good handle on what the future will be medically.

Ninth, unless your case is one where the insurance company has big exposure-(a drunk driver hits you, you had to have surgery from the accident and have big bills, you were hit by an 18 wheeler that was at fault in a major wreck) your auto accident injury claim will be just another claim in the computer to the adjuster.

Tenth, if you have been seriously injured, get a no obligation consultation with a reputable Houston car accident injury claim lawyer.