Understanding Fault and Insurance Coverage
Determining fault in a car accident is crucial as it impacts who is responsible for the medical bills, including chiropractic care. When fault is clear, the at-fault driver’s insurance typically covers the medical expenses of the injured party through Bodily Injury Liability (BIL) coverage. However, in no-fault states, this process differs significantly.
Several types of car insurance coverage can come into play for chiropractic bills:
- Personal Injury Protection (PIP): Common in no-fault states, PIP covers your medical expenses regardless of who caused the accident. This includes chiropractic care, but there may be limits on the amount covered.
- Medical Payments Coverage (MedPay): This optional coverage pays for medical expenses incurred by you or your passengers, regardless of fault. It often includes chiropractic bills but may have coverage limits.
- Bodily Injury Liability (BIL): If you are not at fault, the at-fault driver’s BIL insurance should cover your medical expenses, including chiropractic care.
For example, in a no-fault state, your PIP might cover your chiropractor bills up to a certain limit. In an at-fault state, if the other driver is found liable, their BIL insurance would typically cover your expenses.
Here’s all you need to know about Car Accident Medical Bills
When Your Insurance Covers Chiropractic Care
In many cases, your own insurance may cover chiropractic bills through PIP or MedPay, regardless of who caused the accident. This can be particularly advantageous in no-fault states where your insurance policy is designed to cover medical expenses without the need to determine fault.
When utilizing PIP or MedPay, it’s important to be aware of deductibles and copays. A deductible is the amount you pay out-of-pocket before your insurance kicks in, while a copay is a fixed fee you pay for each visit. Additionally, some insurance policies require pre-authorization for chiropractic care, meaning you need approval from your insurer before starting treatment. Always check the specific details of your policy to understand your coverage limits and any conditions that apply.
For instance, if you have PIP coverage with a $500 deductible and $10,000 limit, you would pay the first $500 of your chiropractic bills, and then your insurance would cover the remaining costs up to $10,000.
Using Medical Liens to Cover Chiropractor Bills
A medical lien is another option for covering chiropractor bills while awaiting a settlement from an at-fault driver’s insurance. A medical lien is a legal claim against a future settlement or judgment, allowing you to receive necessary medical treatment without immediate payment.
The process of using a medical lien involves your chiropractor agreeing to treat you with the understanding that their payment will come from your settlement once your personal injury claim is resolved. This arrangement can be beneficial as it ensures you receive the care you need without financial strain, requiring an agreement between your attorney, healthcare provider, and insurance company.
When the At-Fault Driver’s Insurance Pays
If the other driver is found to be at fault for the accident, their liability insurance can cover your chiropractor bills through Bodily Injury Liability (BIL) coverage. This process involves filing a third-party claim with the at-fault driver’s insurance company.
Filing a third-party claim against the at-fault driver’s insurance company can help you recover the cost of your chiropractor bills. This process typically involves:
- Gathering Evidence: Collect all necessary documentation, including the police report, medical records, and other evidence supporting your claim.
- Filing the Claim: Submit a claim to the at-fault driver’s insurance company. This involves filling out their claim forms and providing the collected evidence.
- Negotiating a Settlement: After submitting the claim, the insurance company will investigate. Be prepared to negotiate to ensure fair compensation for your medical bills.
During this process, having legal representation can be beneficial to ensure your rights are protected and you receive the compensation you deserve.
Out-of-Pocket Costs: What to Expect
Even with insurance, there might be out-of-pocket costs if the insurance doesn’t fully cover your chiropractor bills. These expenses may include deductibles, copays, and any charges exceeding your coverage limits.
To manage these costs, consider the following options:
- Payment Plans: Many chiropractic offices offer payment plans that allow you to spread out the cost of treatment over time.
- Financial Assistance: Look into financial assistance programs or medical credit cards designed to help with medical expenses.
- Negotiating Bills: Sometimes, healthcare providers are willing to negotiate the total bill amount or offer a discount for prompt payment.
Being proactive and communicating with your healthcare provider about your financial situation can help you find manageable solutions.
Getting the Help You Deserve After a Car Accident at AIC
Understanding who pays for chiropractic bills after a car accident is crucial for your recovery and financial health. At AICA Orthopedics, we offer multiple billing options, including billing the at-fault insurance company, placing a medical lien, billing health insurance, or waiting for settlement clearance, to ease your financial burden. Our specialists take a holistic approach to diagnosing and treating car accident injuries, which includes chiropractic care and more, focusing on identifying the root cause of your pain and providing comprehensive care.
Contact AICA today to learn more about our services. We work with most major insurance companies and will handle the billing for you, ensuring a smoother recovery process.
