Taking Care Of Your Health First
The first step after an auto accident is almost always going to be worrying about whether everyone is alright. An accident happens so fast and usually comes so unexpectedly that you don’t get a lot of time to think. Mostly you end up reacting. You might have to go to the hospital, worry about talking to police, or you might have to monitor yourself and make sure you see a doctor for a pain or a problem that seems severe.
Get Your Auto Insurance Company to Take Care of Your Damages
However, when you get a chance to think after a serious accident the question usually is what do I do first? How am I going to pay for all this damage to my car, my medical bills, or all this time off work? The answer usually revolves around making sure your insurance company knows so that they can take care of it. Because Michigan has once of the most comprehensive No-fault laws in the country, your insurance company should pay for your medical bills, up to 85% of your lost wages, replacement services or attendant care, mileage to doctor’s visits, and if you bought collision coverage, they will even pay for the damage to your car. That is the good news. However, you must let your insurance company know about your car accident and the type of damages you have.
Making Sure Your Request For Auto Insurance Is Complete
Your insurance company usually won’t volunteer to question you about wage loss, or medical mileage, or even replacement services or attendant care that you might need. These are things you are going to have to bring up with the insurance company on your own. So first you need to make a claim. Call them or write them to tell them what is wrong, tell them that you have been hurt, that your car is damaged, that you can’t work, that you have medical bills, and you think you may need help doing things that you can no longer do. Typically, the insurance company will follow up with you to verify the things you tell them. Other times it becomes your de-facto job to make sure the insurance company is following through with payments and or investigations that they are doing into your situation. This is important especially if you are in a serious accident and your hospital or doctors are the ones filling out reimbursement paperwork. Sometimes these health providers do it right and make sure they bill your auto insurance, however, sometimes they don’t have that information and they will simply bill your health insurance if you have it. While this might solve the doctor’s problems about getting paid it does not solve your problems. You might still be responsible for co-pays, deductibles, or the unpaid balance of bills if your insurance company is never properly notified or billed. That is why it is extremely important to verify that your auto insurance has your bills and your requests.
Application for No-Fault Benefits
In this link is a general application for no-fault benefits. Sometimes your own insurance company will even send something like this to you. However, by filling out this information you can make sure that you are giving a complete recitation of your situation and make sure the odds that you get the benefits you are increased. The form goes over your general information, like your personal and vehicle information and where, when, and how the accident. The next section is about your medical. The most important part of this this form is to make sure you list all of your injuries. You don’t want to forget something only to find out that once you remember the insurance company claims it was related to the accident because you didn’t originally list it. So making sure all your problems are listed is extremely important. Next there is a wage loss section, and an expenses section. There isn’t a section regarding attendant care or replacement services, because usually a doctor would have to write you a script for those things. Make sure you read our sections on replacement services and attendant care so that you can have your doctor write you a script for them if they are necessary. Then you would sign a medical authorization and sometimes financial authorizations so that your insurance company can verify your information.
Let Us Help You
Making sure you let your insurance company know about your problems and your damages is the most important thing you can do for your financial well being after an accident. If you need help please give us a call today at (517) 347-6900 for a completely free and confidential consultation. We have been helping accident victims for over 30 years and make sure that you are fully reimbursed for your damages after auto accident.