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Old 04-27-2017, 03:59 AM   #1 (permalink)
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Car Accident, Injured, Got Insurance Questions

I got into a car accident last Wednesday. I bumped a car in front of me and then got hammered by the car behind me. At the time, I only had a slightly sore back. I did not seek any medical attention because I did not think I needed it. Sunday roles around and my neck starts to lock up out of nowhere. I get an appointment at a spine surgeon on Tuesday and xrays donít show anything. At this point my neck is stiff but not too painful. Later on Tuesday I start to get numbness, a little grogginess, and a little out of it. It wears off by the end of the day. Wednesday is worse and I go home and feel better. Thought it might have been a reaction to the steroid pack. It seems to be progressing tonight so I want to go to the emergency room.

The accident was complicated and my insurance company put it all into one claim for both the person in frontís damages (on me) and damages to my car/person. My policy has $25k for medical and I have claim information from my car insurance company for that. The driver who hit me was in a rental and the police just put Self Insured on the report. So I think it will be a real fiasco getting money from them.

The question I have is what insurance to use when I go to the emergency room. I think that I should use my health insurance and then work it out later with my car insurance getting them paid. The direct pay costs of an emergency room visit could easily blow through the $25k in one instance. They range from 1K-100K. In my case, I tend to think I will fall towards the higher end since its going to be nerve related and most likely will require an MRI. If I go with trying to use the car insurance, I will most likely have to pay out of pocket and then get reimbursed from the car insurance. Then there could be a large balance between the 25k coverage and the total owed.

Iím looking for any advice or experience in something similar to this. All help is appreciated.
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Old 04-27-2017, 05:23 AM   #2 (permalink)
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Depends on what state. Generally, if it is an auto accident it does no go on your personal auto policy.

But son, you need to lawyer up, especially with injuries of the sort you describe and the circumstances. Find a GOOD personal injury firm, not some ambulance-chaser.
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Old 04-27-2017, 05:26 AM   #3 (permalink)
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How is the car that rear ended you not at fault? At least for the damages to the back of you car?
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Old 04-27-2017, 05:57 AM   #4 (permalink)
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Hurt in a car, call William Martar 444-4444
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Old 04-27-2017, 06:06 AM   #5 (permalink)
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Your first responsibility is to get treated and back to being healthy. Let the insurance companies fight it out after that.
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Old 04-27-2017, 06:07 AM   #6 (permalink)
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I agree that the car that hit you is liable for your car and injury cost. You hit someone from behind. You almost always get the ticket. Not always. But most of the time.
I'm surprised your insurance company hasn't kicked about that.
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Old 04-27-2017, 06:27 AM   #7 (permalink)
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Hurt in a car, call William Martar 444-4444
I have property in western rural NY.. When I visit all you hear is lawyer commercials saying how the insurance company offered me 150 grand, but so and so legal team got 2.2 million....
You might think all this litigation drives up costs to all of us ....
Driving is a risk, your first obligation is to make sure you're covered adequately for the worst situation...
For the OP, good advise has been given...
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Old 04-27-2017, 06:32 AM   #8 (permalink)
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Old 04-27-2017, 09:45 AM   #9 (permalink)
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Protip, don't follow so close and you won't rear end anyone. Then the guy behind you won't have to emergency brake and hit you.

I'd say you were as at fault as anyone else since you rear ended someone first.


Also call your ins company. It's their job to know this stuff.
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Old 04-27-2017, 09:46 AM   #10 (permalink)
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Your insurance company will go after their insurance company to get all of the bills paid just like the car in front of you will go after your insurance because you rear-ended them. Seek medical attention, keeping track of the time spent on the phone, hours of work missed, and every dollar you spend on medical attention. Then call Larry H Parker, he will fight for you.
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Old 04-27-2017, 09:50 AM   #11 (permalink)
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Your first responsibility is to get treated and back to being healthy. Let the insurance companies fight it out after that.
Pretty much.

Sucks...

Insurance companies make deals behind the scenes that you dont need to worry about.
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Old 04-27-2017, 09:51 AM   #12 (permalink)
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The question I have is what insurance to use when I go to the emergency room.
The ER will look at you like you're an idiot if you hand them an automobile policy, and will look at you the same if you try to had them a claim number for an accident. They have zero mechanisms in place to collect from such agencies.

Hand them your health insurance card, and when your health insurance finds out these injuries were from an auto accident, they'll handle collecting fees from the other insurance companies.
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Old 04-27-2017, 10:22 AM   #13 (permalink)
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The ER will look at you like you're an idiot if you hand them an automobile policy, and will look at you the same if you try to had them a claim number for an accident. They have zero mechanisms in place to collect from such agencies.

Hand them your health insurance card, and when your health insurance finds out these injuries were from an auto accident, they'll handle collecting fees from the other insurance companies.
This is what I am hoping for. My concern was that my health insurance would deny the charges and tell me I had to go collect. I know I have received a form from my health insurance before where they asked if anyone else was liable for an injury I treated. The answer was no in that case.

Thanks.
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Old 04-27-2017, 10:28 AM   #14 (permalink)
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Old 04-27-2017, 10:44 AM   #15 (permalink)
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Old 04-27-2017, 10:45 AM   #16 (permalink)
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The ER will look at you like you're an idiot if you hand them an automobile policy, and will look at you the same if you try to had them a claim number for an accident. They have zero mechanisms in place to collect from such agencies.

Hand them your health insurance card, and when your health insurance finds out these injuries were from an auto accident, they'll handle collecting fees from the other insurance companies.
Again, it depends upon which state. In some states the first question they ask at ER triage is whether injury or ailment is due to a MVA, and if so billing is handled differently with no need to present information on a personal policy. In fact, doing so can screw you up in these states because of the processes in place.
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Old 04-27-2017, 10:49 AM   #17 (permalink)
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Lawyer UP

Your best bet is to contact a PI attorney. what happens and in what order is different in many states. Most PI attorneys work on contingence, meaning your don't pay them unless you get a settlement. Your case is different than most in that the guy that hit was in a rental. Also the PI attorney will be able to direct you on where to go for the medical isssues you are experiencing.

The last place I would walk into is the ER for your problems. The ER is for people that are dying, close to death, or other acute problems. Yours is not likely going to kill you in the next couple days. Its going to suck to be have to wait to be seen by someone that specializes in what your going through but it is where you will end up anyway. The ER is a great way to double or triple your bill since they probably will run every test on you that they can and then send you home with muscle relaxers that will do very little than make you feel that crap.
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Old 04-27-2017, 12:07 PM   #18 (permalink)
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The last place I would walk into is the ER for your problems. The ER is for people that are dying, close to death, or other acute problems. Yours is not likely going to kill you in the next couple days. Its going to suck to be have to wait to be seen by someone that specializes in what your going through but it is where you will end up anyway. The ER is a great way to double or triple your bill since they probably will run every test on you that they can and then send you home with muscle relaxers that will do very little than make you feel that crap.
I both agree and disagree. My first call would be to my primary care doc. My last few doctors had open slots for urgent visits. Call them, get in to see the doc and see if he can order some tests and second opinions in a hurry.

If your doc can't get you in, or recommends you go to the ED, then you go to the ED. Skip the urgent care places, chances are they'll charge you and send you off to the ED.

We don't know what's up with this guy. I've been on calls to car accidents that are seemingly minor with mortality a few minutes to a few days later. I know medics that have picked people up that were refusing care, but died on the way to the hospital. Car accidents are no fucking joke. Weird shit happens to our bodies with these unnatural forces applied. You should ALWAYS get checked out after a wreck.
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Old 04-27-2017, 12:18 PM   #19 (permalink)
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I went to a spine specialist when my neck was hurting and got x-rays. They looked good. Then later that day is when the neuro stuff started. I talked to the spine specialist about the new symptoms and they said go to the ER. Probably to CYA. That's where I'm at now and expect to get MRIs. I'm going thru my primary insurance and I'll work the payment issues if they arise. Sending me for a CT scan. Hmmmmm.....
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Old 04-27-2017, 12:20 PM   #20 (permalink)
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Car accidents are no fucking joke. Weird shit happens to our bodies with these unnatural forces applied. You should ALWAYS get checked out after a wreck.
This the Absolute Truth. Not a time to shrug off any accident even if "you walked away"-
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Old 04-27-2017, 12:22 PM   #21 (permalink)
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They will all CYA, and when you tell them the injuries are due to a MVA, they will run everything "for" you.

The party that rear-ended you will pay your bills, and you will pay the bills for the car you hit.

Gonna need a lawyer, and ensure your insurance co. knows as well, both car and health ins.
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Old 04-27-2017, 12:32 PM   #22 (permalink)
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....That's where I'm at now and expect to get MRIs. I'm going thru my primary insurance and I'll work the payment issues if they arise. Sending me for a CT scan. Hmmmmm.....
Another breadcrumb...

Get treated first !! As for payment issues, send bills to your Auto Insurance Co. Let the insurance companies involved work together in tandem. If foot dragging continues, get a lawyer to resolve the quagmire.

Let us know what happens next w/back issues-
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Old 04-27-2017, 12:33 PM   #23 (permalink)
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USAA has combined the two incidents into one claim. So I may not have to deal with Hertz at all. Hertz finally left a voicemail. I'll work that issue with USAA.
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Old 04-27-2017, 01:13 PM   #24 (permalink)
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CT scan looks good. Blood pressure is really high. Probably due to anxiety around this deal. BP could be causing the symptoms. Gonna give me some Valium to calm me down and relax the muscles.
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Old 04-27-2017, 01:24 PM   #25 (permalink)
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Call the Dr. you seen at the spine/back center, his nurse should be able to advise you if you are having normal side effects or if you need to be seen by him or the ER.

Regardless of who you see, since your issues arose from the car accident, your health insurance company isn't responsible, your uninsured motorist or the other driver's/rental car company's is.

As mentioned, you need to get an Attorney, you don't want to deal with an insurance adjuster by yourself when you have suffered a personal injury.

You should have an MRI done of your neck, it is the best way to determine if you have suffered soft tissue damage.

Last edited by CA_Snowtoy; 04-27-2017 at 01:28 PM.
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