Archive for September, 2010
Doctor’s Recommendations vs. Insurance Co. Restrictions
Doctor’s Recommendations vs. Insurance Companies’ Restrictions: How to Get the Treatment You Need as a Truck Accident Victim
It can be difficult to understand the intricacies of your insurance policy. The elusive fine print continues to stifle its clients, especially those who seek medical treatment. Unfortunately, not all insurance companies assist their clients with understanding their policy as well as they should. In some cases, insurance companies will try and deceive you about your legal circumstances. One example of this occurs during medical treatment of truck accident victims.
As practicing Cedar Rapids, IA truck accident attorneys, we have seen the different types of treatment that doctors have recommended to injured truck accident victims. While doctors may recommend different types of treatment and have your best interests at heart, it is not in the interest of insurance companies to pay more for specialized treatment (often treatment from a specialist of a chiropractor). That is why, when an insurance company representative learns about the type of medical treatment that a truck accident victim is receiving, he or she may suggest that his or her insurance company will not reimburse you for that type of treatment. That is simply not true.
Under Iowa law, the at-fault driver (or his or her insurance company) is responsible for paying all “reasonable and necessary” medical expenses caused by the truck accident. What constitutes “reasonable and necessary” medical treatment should be decided by your doctors and other medical providers – not by an insurance adjuster. In most situations, truck accident victims should seek medical treatment until they are healed or a doctor tells them that their condition is as good as it is going to get (this is often referred to as the patient achieving “maximum medical improvement”).
To learn about other tactics insurance companies use against truck accident victims, go to Iowa Truck Accident Facts to download a free 35-page guide.
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