If you have been in a car accident, you will quickly find yourself dealing with the insurance companies on two fronts. On the one hand, you will need to determine the extent of the damage to your car, how much will be covered, and if you need to pursue the other driver for damages. You will also need to assess how your medical expenses will be covered on the medical insurance side. This is especially true if you were involved in a severe accident with long-term implications for your health.
Your insurance company designates an insurance adjuster. This person typically is the single most influential in determining how much you will be reimbursed. Insurance adjusters may interview the parties to the accident, review police reports, or evaluate doctor’s reports and prognoses.
What a Property Insurance Adjuster Considers
Adjusters assess the extent of damage done to your automobile and make a final determination as to the total amount the insurance company will remit. An adjuster may inspect the vehicle(s) personally or accept the repair estimates from an approved auto body shop.
- If you obtain a repair estimate from an auto body shop, ask your insurance company if they have certified or approved shops. Get at least two repair estimates to ensure accuracy, and if you can obtain 3 or 4, all the better.
- After evaluating the estimates, the insurance adjuster will make a settlement offer. You have the right to accept or deny the offer.
- Although insurance companies have different policies, your car will be considered a complete loss or “totaled” if it will require more than 50% of its market value to repair the vehicle.
Does your auto or health insurance cover accidents sustained in a car accident?
Auto Insurance: In the broadest sense, the person determined to be at fault for the accident is expected to pay for the medical expenses of those injured in the accident. However, Florida is a no-fault state, meaning that it is up to each person’s insurance company to pay for their injuries.
Yet, these limits are often reached quickly, and then the injured party can pursue additional payment through the other person’s car insurance company.
In Florida, the personal injury protection (PIP) coverage each motorist must carry can be used to cover their own injuries. In some cases, they can also invoke this coverage to make up for lost wages and even funeral expenses. If your PIP insurance exhausts, your health insurance begins to kick in at that point.
As with any medical situation, your copayments and deductibles will apply when using health insurance. You may also use monies from your health savings account.
Neither Medicare nor Medicaid can be used as primary coverage for car accidents., although you can designate these plans for secondary coverage. You may then use it when you exceed the limits of your personal injury protection coverage if needed.
Chiropractic Care After a Car Accident
Most health care coverage now covers chiropractic treatment after a car accident. This type of therapy is especially effective after the trauma of an impact. It realigns the spine, relieves pressure along the spinal column (including nerves, discs, and vertebrae), and encourages whole-body health.
If you were involved in a car accident or other traumatic accident in the North Port area, call West Coast Wellness as soon as possible. We are here to help.
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