Choosing Your Medical Care Providers
You have the right to choose your own medical care providers for ongoing treatment during your personal injury case. Insurance companies cannot dictate which doctors you see or how often you receive treatment. Rather, the law entitles you to appropriate healthcare and the freedom to select your own doctors.
Insurance Coverage For Injury Costs
Medical payment coverage is one way your own insurance company can help cover costs for your injuries upfront. In North Carolina, this type of coverage is most common, but other policies or plans might provide similar benefits. For example, if you have $5,000 in medical payment coverage and a $10,000 emergency room bill, you can submit the bill to your auto insurance company and request payment for up to $5,000.
Using Medical Payment Coverage
Some auto insurance companies may prefer to pay the hospital directly, but you can request that they send the payment to you. Medical payment coverage can be helpful early in a case and is another reason to consider having it. Although not required, this optional coverage is generally very affordable and can provide financial relief during your personal injury case.
The Risks of Contacting The At-Fault Party’s Insurance Company
It is crucial to be cautious when dealing with the at-fault party’s insurance company. They may attempt to contact you for a statement about the accident and will likely record the conversation. These recorded interviews can be dangerous, as they may lead to claim denial based on contributory negligence based on the responses you provide. Many people have difficulty, without reflection, properly estimating time and space questions, for instance. To avoid such risks, always consult with an attorney before speaking to the insurance company.
The Insurance Company’s Motives
When dealing with the at-fault party’s insurance company, remember that their primary goal is to settle your claim for as little as possible. They are not on your side and will try to minimize the value of your claim. Here are some tactics they may use:
- Attempting to establish that your injuries pre-exist and are not accident-related
- Trying to prove that you had ample time to avoid the accident, but failed to do so
Be mindful of the information you provide, as it could be used against you.
The Importance Of Carefully Answering Questions
When giving a statement to the insurance company, it is essential to be thoughtful about your answers. Avoid making assumptions or providing inaccurate information, as these can harm your claim.
- Be cautious when discussing the time and space involved in the accident, as an incorrect estimation may lead the insurance company to believe you had the opportunity to avoid the accident
- Avoid stating that the other driver “came out of nowhere,” as this may be interpreted as a lack of attentiveness on your part
The Role Of An Attorney In The Process
Consulting with an attorney before providing any statements to the insurance company is highly recommended. An experienced lawyer can protect your interests and ensure that your claim is presented effectively. In most cases, an attorney will not allow their clients to speak directly with the insurance company.
Communicating With The Insurance Company
When it comes to property damage, you may communicate with the at-fault party’s insurance company. However, avoid discussing the accident details, your medical treatment, or your injuries. Stick to topics such as car repair, rental arrangements, and the value of your vehicle.
With the guidance of a skilled attorney for Auto Accidents, you can have the peace of mind that comes with knowing that we’ll make it look easy. For more information on Personal Injury Law Cases in North Carolina, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (919) 999-4462 today.