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Medical Bills - Evaluating Your Personal Injury Insurance Claim The value of a personal injury claim has a direct relationship to the amount of your medical bills. Why? Because a claim with medical bills of $500.00 is worth three to five times more than a claim with $100.00, or less. And that's a fact of life in the world of insurance claims. The adjuster will reason if you were hurt badly enough to run up $500.00 in medical expenses than it's correct to assume that your injuries must be substantial. But, if you see your chiropractor or physician only once or twice, and your final bills are in the vicinity of $100.00, that adjuster will assume you weren't hurt too seriously. DEMAND THAT ALL YOUR MEDICAL BILLS BE PAID: The adjuster may try to disallow a substantial part of your total medical expenses which he contends doesn't qualify as "medical" in character. He'll often attempt to divide your medical costs into two arbitrary parts - - "Diagnostic" and "Treatment". In the "Diagnostic" category he'll include items such as ambulance and emergency room costs, costs of X-rays, and other diagnostic procedures, plus visits to specialists. And the rest (principally costs of the hospital and regular office visits to doctors, physical therapy and medication) will be termed "Treatment". The items that are categorized as "Diagnostic" expenses are the bills the adjuster would like to disallow as not being "Medical" types of activities. » Discuss it (1) » Continue Reading »
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