One of the most stressful events in life is dealing with the issues
that occur after an auto accident. The first thing a person thinks
about after the crash is the car. Most people are not aware that some
injuries are not detected for months or even years. Two things result
in these situations: an insurance company settles with the victim
without compensating for the pain and treatment needed from these
undiagnosed injuries, and the injury gets worse over time due to the
lack or delay of treatment. It is absolutely imperative that anybody
that is in an auto accident immediately go see a Doctor trained in soft
tissue injuries. While whiplash is a common injury from auto accidents,
another common complaint of crash victims is that they don’t “feel
like their normal selves.” They may also experience other symptoms like
dizziness, blurry vision, headaches, back pain, muscle stiffness or
spasms, neck pain, numbness and tingling, fatigue, difficulty sleeping,
irritability, memory loss and difficulty concentrating.
Auto
accidents can also cause post-traumatic osteoarthritis. This can damage
your posture (producing a slumped or hump back appearance).
Osteoarthritis can also cause the discs in the spine to degenerate and
create scar tissue formation leading to chronic stiffness.
According
to the Insurance Research Council, nearly 1/3 of all claimants injured
in motor vehicle accidents seek treatment from doctors of chiropractic.
That number is astounding when combined with the fact that the
National Safety Council (NSC) has determined there to be more than 12
million accidents annually involving more than 20 million vehicles.
The reason people choose chiropractic care for treatment of injuries sustained in auto accidents is simple – chiropractic care is exceptional in the treatment of soft tissue injuries, especially of the spine.
Since the most common injuries associated with these events are
sprains and strains of the spinal muscles and ligaments, it’s only
natural that chiropractic be the treatment of choice. Chiropractors are
the primary care doctors trained specifically in dealing with injuries
to the spine.
Much research has also found people injured in auto
accidents prefer chiropractic care for the treatment of their injuries.
One such study* evaluated 190 whiplash injury victims and found those
who received chiropractic care reported treatment satisfaction of 100%.
One
major concern individuals that have lived through the experience of an
auto accident should be aware of is most medical doctors are not
trained to detect the type of soft tissue or joint injury
that does not show itself immediately. It is imperative that people
involved in auto accidents consult with a doctor who is trained in the
biomechanics of the human body; someone who treats these injuries every
day.
Often, passengers can be hurt more than a driver, especially if
it is a side wreck or T-bone. Children can suffer the same injuries as
adults and should be given the same care despite a feeling by the
parent that a child can’t be “that injured” if no bones are broken or
there is no bruising to the skin. Put it this way: if damage was done
to a vehicle that actually bent metal, the people inside the vehicle surely absorbed that force as well.
Due
to our bodies producing adrenaline at the time of an accident, this
hormone acts like a natural pain killer and allows us to muster the
courage to move through the impact and “take care of business”. As
mentioned above, it is often days or weeks later that the full impact of
the crash is felt. A trained doctor of chiropractic can be a
brilliant source of diagnosis and treatment of soft tissue and joint
injuries.
In addition, x-rays or MRI (if indicated) will be used to
check for any structural damage. In our office, we routinely evaluate
auto accident victims and make any appropriate referrals to other
health care providers if necessary. Our primary responsibility is
providing the proper care and submitting the required medical reports
to the insurance company or attorney (if one is involved) so the rights
of the patient are protected.
If we can’t help the patient, we will
refer them to a doctor or facility that can. If you have been in an
auto accident recently, there are some important decisions you have to
make, and it is critical to make the first decision be to be evaluated
by a doctor of chiropractic and get under care immediately.
Monday, April 22, 2013
When your body is involved in trauma, your neck is one of your most vulnerable areas.
When your body is involved in trauma,
your neck is one of your most vulnerable areas. Whiplash, the hard and
fast forward-backward movement of the neck, can cause pain that can
last well after other injuries have healed. To understand why your neck
is so sore, it helps to know the anatomy involved.
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Whiplash can be a complicated diagnosis as the doctor tries to figure out exactly which parts of the spine have been affected. And there are a lot of complex parts to your cervical spine—the technical name for your neck. The cervical spine begins at the base of the skull. It contains seven small vertebrae (bones), which doctors label C1 to C7 (the 'C' means cervical). The numbers 1 to 7 indicate the level of the vertebrae. C1 is closest to the skull, while C7 is closest to the chest.
In between each vertebra are tough fibrous shock-absorbing pads called the intervertebral discs. (These discs are what slide back and forth during the trauma.) Each disc is made up of a tire-like outer band and a gel-like inner substance. The outer band is called the annulus fibrosus; the inner part is called the nucleus pulposus.
In addition to bones and discs, your cervical spine also includes the upper region of the spinal cord, eight nerve roots, an elaborate system of arteries and veins, 32 muscles for strength, and numerous ligaments. For such a small area, there is a lot to your neck. That means that there are a lot of parts that can be injured when you have whiplash.
Remarkably, the cervical spine supports the full weight of your head, which is usually about 8 pounds—yet no other region of the spine has such freedom of movement. The cervical spine can move your head in nearly every direction: 90° of forward motion, 90° of backward motion, 180° of side to side motion, and almost 120° of tilt to either shoulder.
Unfortunately, this flexibility makes the neck very susceptible to pain and injury, such as whiplash. In whiplash, those 15 pounds are dramatically tossed frontwards then backwards—that's one important reason to wear seatbelts properly and use airbags whenever possible.
spineuniverse.com
Auto/Car Accidents and whiplash and the Necessity of Chiropractic Care
One of the most stressful events in life
is dealing with the issues that occur after an auto accident. The
first thing a person thinks about after the crash is the car. Most
people are not aware that some injuries are not detected for months or
even years. Two things result in these situations: an insurance
company settles with the victim without compensating for the pain and
treatment needed from these undiagnosed injuries, and the injury gets
worse over time due to the lack or delay of treatment. It is
absolutely imperative that anybody that is in an auto accident
immediately go see a Doctor trained in soft tissue injuries. While
whiplash is a common injury from auto accidents, another common
complaint of crash victims is that they don’t “feel like their normal
selves.” They may also experience other symptoms like dizziness, blurry
vision, headaches, back pain, muscle stiffness or spasms, neck pain,
numbness and tingling, fatigue, difficulty sleeping, irritability,
memory loss and difficulty concentrating.
Auto accidents can also cause post-traumatic osteoarthritis. This can damage your posture (producing a slumped or hump back appearance). Osteoarthritis can also cause the discs in the spine to degenerate and create scar tissue formation leading to chronic stiffness.
According to the Insurance Research Council, nearly 1/3 of all claimants injured in motor vehicle accidents seek treatment from doctors of chiropractic. That number is astounding when combined with the fact that the National Safety Council (NSC) has determined there to be more than 12 million accidents annually involving more than 20 million vehicles.
The reason people choose chiropractic care for treatment of injuries sustained in auto accidents is simple – chiropractic care is exceptional in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with these events are sprains and strains of the spinal muscles and ligaments, it’s only natural that chiropractic be the treatment of choice. Chiropractors are the primary care doctors trained specifically in dealing with injuries to the spine.
Much research has also found people injured in auto accidents prefer chiropractic care for the treatment of their injuries. One such study* evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
One major concern individuals that have lived through the experience of an auto accident should be aware of is most medical doctors are not trained to detect the type of soft tissue or joint injury that does not show itself immediately. It is imperative that people involved in auto accidents consult with a doctor who is trained in the biomechanics of the human body; someone who treats these injuries every day.
Often, passengers can be hurt more than a driver, especially if it is a side wreck or T-bone. Children can suffer the same injuries as adults and should be given the same care despite a feeling by the parent that a child can’t be “that injured” if no bones are broken or there is no bruising to the skin. Put it this way: if damage was done to a vehicle that actually bent metal, the people inside the vehicle surely absorbed that force as well.
Due to our bodies producing adrenaline at the time of an accident, this hormone acts like a natural pain killer and allows us to muster the courage to move through the impact and “take care of business”. As mentioned above, it is often days or weeks later that the full impact of the crash is felt. A trained doctor of chiropractic can be a brilliant source of diagnosis and treatment of soft tissue and joint injuries.
In addition, x-rays or MRI (if indicated) will be used to check for any structural damage. In our office, we routinely evaluate auto accident victims and make any appropriate referrals to other health care providers if necessary. Our primary responsibility is providing the proper care and submitting the required medical reports to the insurance company or attorney (if one is involved) so the rights of the patient are protected.
If we can’t help the patient, we will refer them to a doctor or facility that can. If you have been in an auto accident recently, there are some important decisions you have to make, and it is critical to make the first decision be to be evaluated by a doctor of chiropractic and get under care immediately.
Auto accidents can also cause post-traumatic osteoarthritis. This can damage your posture (producing a slumped or hump back appearance). Osteoarthritis can also cause the discs in the spine to degenerate and create scar tissue formation leading to chronic stiffness.
According to the Insurance Research Council, nearly 1/3 of all claimants injured in motor vehicle accidents seek treatment from doctors of chiropractic. That number is astounding when combined with the fact that the National Safety Council (NSC) has determined there to be more than 12 million accidents annually involving more than 20 million vehicles.
The reason people choose chiropractic care for treatment of injuries sustained in auto accidents is simple – chiropractic care is exceptional in the treatment of soft tissue injuries, especially of the spine. Since the most common injuries associated with these events are sprains and strains of the spinal muscles and ligaments, it’s only natural that chiropractic be the treatment of choice. Chiropractors are the primary care doctors trained specifically in dealing with injuries to the spine.
Much research has also found people injured in auto accidents prefer chiropractic care for the treatment of their injuries. One such study* evaluated 190 whiplash injury victims and found those who received chiropractic care reported treatment satisfaction of 100%.
One major concern individuals that have lived through the experience of an auto accident should be aware of is most medical doctors are not trained to detect the type of soft tissue or joint injury that does not show itself immediately. It is imperative that people involved in auto accidents consult with a doctor who is trained in the biomechanics of the human body; someone who treats these injuries every day.
Often, passengers can be hurt more than a driver, especially if it is a side wreck or T-bone. Children can suffer the same injuries as adults and should be given the same care despite a feeling by the parent that a child can’t be “that injured” if no bones are broken or there is no bruising to the skin. Put it this way: if damage was done to a vehicle that actually bent metal, the people inside the vehicle surely absorbed that force as well.
Due to our bodies producing adrenaline at the time of an accident, this hormone acts like a natural pain killer and allows us to muster the courage to move through the impact and “take care of business”. As mentioned above, it is often days or weeks later that the full impact of the crash is felt. A trained doctor of chiropractic can be a brilliant source of diagnosis and treatment of soft tissue and joint injuries.
In addition, x-rays or MRI (if indicated) will be used to check for any structural damage. In our office, we routinely evaluate auto accident victims and make any appropriate referrals to other health care providers if necessary. Our primary responsibility is providing the proper care and submitting the required medical reports to the insurance company or attorney (if one is involved) so the rights of the patient are protected.
If we can’t help the patient, we will refer them to a doctor or facility that can. If you have been in an auto accident recently, there are some important decisions you have to make, and it is critical to make the first decision be to be evaluated by a doctor of chiropractic and get under care immediately.
There's still hope even if the Auto/Car Accident was your fault!
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
There's still hope even if the Auto/Car Accident was your fault!
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
What is Personal Injury Protection (PIP)
The
Texas Department of Insurance requires automobile insurance carriers
in our state to issue all automobile policies it writes at least
$2500 worth of coverage and you have this coverage unless you reject
it in writing. Most people are unaware of this coverage or even know
what it is and therefore very few people use it. You end up paying
for coverage that they don’t inform you about and you’re entitled to.
Why?
Insurance is not understood and most people rely on their agent and
claims adjusters to advise them on what to do after an accident.
Insurance is a multi-billion dollar industry and are in business to make
money. They keep their costs down, less payout, more profits and
bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP
is no fault coverage similar to health insurance but on your auto
policy for your injuries and your passengers injuries. This coverage is
available regardless who is at fault. Yes, you can be the cause of
the accident and you will still be covered. There’s no deductible and
no co-payment. There is other separate coverage that will cover the
other party if you were at fault. If you do not have PIP then you
could still be covered if you were in an accident in another state
besides Texas. You may also be covered if you were hit in a crosswalk
by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under
section 5.7016 of the Texas insurance code, automobile insurance
carriers cannot non-renew you for filing one PIP claim in a 12 month
period. Also, it is unlikely that they would raise your rates for a sole
PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical
treatment is expensive and you are liable for the costs. There is a
chance that the other party may never pay for your medical expenses
leaving you a financial burden. PIP gives you peace of mind that your
medical bills are covered. If you use your health insurance, you may
have to pay a deductible and co-pays to your doctor and if the health
insurance finds out that you were in an accident they could request
to be reimbursed. Some people get referred to a medical provider by
their attorney and the medical provider agrees to be paid months or
even years later. Since there are a limited number of medical
providers who agree to this arrangement, your choice and quality of
healthcare may be limited. The answer is to use your PIP coverage so
you will not have to pay for medical expenses out of your pocket and
get the best possible healthcare treatment available for you and your
family’s injuries caused by the accident.
What is Personal Injury Protection (PIP)
The
Texas Department of Insurance requires automobile insurance carriers
in our state to issue all automobile policies it writes at least
$2500 worth of coverage and you have this coverage unless you reject
it in writing. Most people are unaware of this coverage or even know
what it is and therefore very few people use it. You end up paying
for coverage that they don’t inform you about and you’re entitled to.
Why?
Insurance is not understood and most people rely on their agent and
claims adjusters to advise them on what to do after an accident.
Insurance is a multi-billion dollar industry and are in business to make
money. They keep their costs down, less payout, more profits and
bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP
is no fault coverage similar to health insurance but on your auto
policy for your injuries and your passengers injuries. This coverage is
available regardless who is at fault. Yes, you can be the cause of
the accident and you will still be covered. There’s no deductible and
no co-payment. There is other separate coverage that will cover the
other party if you were at fault. If you do not have PIP then you
could still be covered if you were in an accident in another state
besides Texas. You may also be covered if you were hit in a crosswalk
by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under
section 5.7016 of the Texas insurance code, automobile insurance
carriers cannot non-renew you for filing one PIP claim in a 12 month
period. Also, it is unlikely that they would raise your rates for a sole
PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical
treatment is expensive and you are liable for the costs. There is a
chance that the other party may never pay for your medical expenses
leaving you a financial burden. PIP gives you peace of mind that your
medical bills are covered. If you use your health insurance, you may
have to pay a deductible and co-pays to your doctor and if the health
insurance finds out that you were in an accident they could request
to be reimbursed. Some people get referred to a medical provider by
their attorney and the medical provider agrees to be paid months or
even years later. Since there are a limited number of medical
providers who agree to this arrangement, your choice and quality of
healthcare may be limited. The answer is to use your PIP coverage so
you will not have to pay for medical expenses out of your pocket and
get the best possible healthcare treatment available for you and your
family’s injuries caused by the accident.
Disc Problems
Disc problems can occur from traumatic
incidents like Auto accidents, sports injuries and slips and falls.
These seem obvious to most.
However, many disc problems can be related to multiple micro-traumas over a long period of time. Types of work, hobbies, sports, exercise and lifestyle can all be contributing factors.
Combine one of the above with a traumatic incident and it’s easy to see that disc problems are not uncommon.
The best way to know if you have a problem in your disc is to have an MRI done of the area of complaint.
The good news is that an MRI will show exactly where and how big the "herniation” or bulge is."
The bad news is that it is an expensive test.
In our office we use X-Ray and orthopedic/ neurological tests to determine if a disc problem may exist.
Whether you use MRI technology or not the answer is almost always the same--CONSERVATIVE CHIROPRACTIC CARE to start. As long as you are progressing well as most of our patients do, an MRI is usually not needed. For the patients with more complicating factors a referral will be made for an MRI or other more detailed tests.
A combination of conservative safe Chiropractic care and therapies such as neck (cervical) and low back (lumbar) traction, or painless muscle stimulation with hot or cold packs can go a long way in controlling the symptoms of disc problems.
We are also always happy to read your MRI report for you in "plain English."
The Docs at North Dallas Chiropractic
However, many disc problems can be related to multiple micro-traumas over a long period of time. Types of work, hobbies, sports, exercise and lifestyle can all be contributing factors.
Combine one of the above with a traumatic incident and it’s easy to see that disc problems are not uncommon.
The best way to know if you have a problem in your disc is to have an MRI done of the area of complaint.
The good news is that an MRI will show exactly where and how big the "herniation” or bulge is."
The bad news is that it is an expensive test.
In our office we use X-Ray and orthopedic/ neurological tests to determine if a disc problem may exist.
Whether you use MRI technology or not the answer is almost always the same--CONSERVATIVE CHIROPRACTIC CARE to start. As long as you are progressing well as most of our patients do, an MRI is usually not needed. For the patients with more complicating factors a referral will be made for an MRI or other more detailed tests.
A combination of conservative safe Chiropractic care and therapies such as neck (cervical) and low back (lumbar) traction, or painless muscle stimulation with hot or cold packs can go a long way in controlling the symptoms of disc problems.
We are also always happy to read your MRI report for you in "plain English."
The Docs at North Dallas Chiropractic
HEADACHES
Headaches
are the second most common complaint following motor vehicle
accidents (MVA's). Like the many other MVA symptoms, headache may not
be present immediately following the accident and may take several
weeks and often months to eventually surface. Most post-traumatic headaches
are thought to originate from the soft tissues and facet joints of
the neck as well as injury or irritation to the nerves of the upper
cervical spine.
The literature has shown there to be multiple types of headaches which can be experienced following a MVA. These include the following:
The literature has shown there to be multiple types of headaches which can be experienced following a MVA. These include the following:
- Cervicogenic Headaches
- Muscle Tension Headaches
- Migraine Headaches
- Myofascial Trigger Point Headaches
- Site-Of-Impact Headaches
- Drug-Induced Headaches (following excessive or prolonged analgesic use)
EXTREMITY PAIN, NUMBNESS and TINGLING
Extremity
symptoms such as arm and hand pain, numbness and tingling are common
following motor vehicle accidents (MVA's). They are caused by thoracic
outlet syndrome, myofascial adhesions, muscular trigger points, and
spinal disc lesions. It's
important to note that these symptoms are commonly not experienced
until weeks or even months after the injury. A study, published in the
Britain Journal of Rheumatology, involved 37 motor vehicle injury
patients and found 35% had an onset of arm and hand symptoms (upper
extremity symptoms) beyond 3 months of the accident.
This reinforces the need for proper and full treatment of MVA injuries. Failure to receive appropriate treatment (where injured tissues are fully healed and tissue functioning is adequately restored) is a major contributor to the development of these symptoms.
This reinforces the need for proper and full treatment of MVA injuries. Failure to receive appropriate treatment (where injured tissues are fully healed and tissue functioning is adequately restored) is a major contributor to the development of these symptoms.
HOW DO I MAKE AN APPOINTMENT?
For a personal evaluation and
consultation, call North Dallas Chiropractic or Irving Rehab and
Wellness and ask to schedule an appointment. In most cases, you can be
seen the same day. The sooner you receive treatment following your
accident, the better your body will respond to restorative care. You
will be glad you did!
972-392-4476
IrvingRehabandWellness.com
NDallasChiropractic.com
DOES TREATMENT HURT?
Absolutely not. The treatments are very gentle and quite relaxing. Most patients look forward to their appointments.
WHAT KIND OF TREATMENT WILL I RECEIVE?
At most health centers, chiropractic
care and physical rehab therapy are the foundation of treatment;
however, ultrasound, interferential current stimulation, traction, and
rehabilitation are also used.
If your problem is lower back related, go to a centre that utilizes the DRS System, a proven effective, non-surgical low back pain treatment. The staff also includes a Medical Pain Management Specialist, providing you with the most comprehensive treatment available. We also work with other health care professionals in the medical community and if we can't help you, a referral will be made.
If your problem is lower back related, go to a centre that utilizes the DRS System, a proven effective, non-surgical low back pain treatment. The staff also includes a Medical Pain Management Specialist, providing you with the most comprehensive treatment available. We also work with other health care professionals in the medical community and if we can't help you, a referral will be made.
HOW MUCH TIME DO I HAVE TO REPORT AN INJURY FOLLOWING MY ACCIDENT?
The sooner you seek treatment following
your injury, the better. If you wait beyond 30 days following your
accident and then report an injury to the insurance company, they are
much less likely to pay for your care.
WHAT IF THE INSURANCE COMPANY WANTS ME TO SETTLE?
It's recommended that you do not settle
your case before a thorough evaluation by our office. If you settle
before your injury is fully diagnosed and treated, you will be
responsible for any medical bills you incur in the future.
Our office will work directly with insurance companies to assure that your claim will be effectively documented during your treatment. We also bill the insurance directly to help reduce the burden on your part. It is important that you do not cash any checks that the insurance sends to your home. In many cases, this will release them from any further liability in your care and you will be personally responsible for your medical bills. If the insurance company is rushing you to settle then they are trying to reduce their liabilities and may leave you with all the bills. This could ruin your credit if you have medical bills that are unpaid. In these cases we can help you find a reputable attorney to help protect you from the insurance companies.
Our office will work directly with insurance companies to assure that your claim will be effectively documented during your treatment. We also bill the insurance directly to help reduce the burden on your part. It is important that you do not cash any checks that the insurance sends to your home. In many cases, this will release them from any further liability in your care and you will be personally responsible for your medical bills. If the insurance company is rushing you to settle then they are trying to reduce their liabilities and may leave you with all the bills. This could ruin your credit if you have medical bills that are unpaid. In these cases we can help you find a reputable attorney to help protect you from the insurance companies.
Monday, April 8, 2013
HOW CAN I DETERMINE THE EXTENT OF MY INJURIES?
To determine the extent of your injuries
and prevent their painful effects have an in-depth evaluation and
consultation with a chiropractor and accident and personal injury
specialist. Preferably, it should be one that's specially trained in
diagnosing and treating spinal problems as a result of an automobile
accident and can explain how much damage your body has sustained, as
well as recommend what treatment he or she feels would be necessary and
for how long.
A
normal evaluation includes a complete examination including orthopedic
and chiropractic testing, x-rays, computerized range of motion and
muscle strength tests. If necessary, nerve conduction tests and
diagnostic ultrasound tests are also performed to provide the most
comprehensive diagnosis available.
If necessary, other diagnostic tests such as MRI and CAT Scans are performed as needed.
HOW MUCH WILL IT COST TO DIAGNOSE AND TREAT MY INJURIES?
Essentially, it will cost you nothing!
Like any other health care service, care is covered completely under
the "medical benefits" section of your automobile insurance policy. All
fees for this evaluation and treatment will be sent directly to your
auto insurance company (or the person-at-fault's) for payment,
alleviating any direct financial burden to you.
CAN A MEDICAL DOCTOR DIAGNOSE MY INJURIES?
Yes, they can. However, diagnosing motor
vehicle accident injuries are best left to a chiropractor.
Chiropractors are trained to detect abnormal biomechanics of the
musculoskeletal system that can lead to arthritis. Most agencies have a
medical doctor on staff to insure that a more serious injury (such as
a fracture) has not occurred, and to ensure that it is safe for you
to engage in a program of physical rehab therapy that will follow. If
necessary, medication may be prescribed.
You should have the most comprehensive
treatment available in the healthcare community in one location. In
the majority of cases, a chiropractic and medical physician will both
document and report your injury.
CAN MEDICATIONS AND PAIN PILLS HELP ME GET BETTER?
Medications may mask the pain for a few
hours, but they do not aid your body's ability to heal itself, and may
hinder the healing process. Medications cannot correct the soft tissue
damage that is caused by auto accidents. If you are only taking pills,
irritated nerves will continue to cause pain, suffering, and the
problems listed earlier. Therefore, the adverse effects of your
injuries will continue to plague you until you seek treatment. In
certain situations we will prescribe medication; however, pain
medications alone will only mask the symptoms and not treat the
problem.
SHOULD I SEE AN ATTORNEY BEFORE MY EVALUATION?
Patients have important legal as well as
health care needs that need to be addressed. In most cases, it is
important to be evaluated by a clinic first. That way the findings from
your exam will give you the information you need in order to decide on
which attorney is necessary.
If
you already have an attorney, the office will send detailed reports to
your attorney as you are undergoing treatment to keep your legal
counsel apprised of your progress. Upon completion of treatment a final
narrative report is then forwarded to the patient's attorney
documenting any permanent damage or functional loss.
An
attorney who specializes in injury accidents is a wise choice in these
circumstances. They know the law and your rights and are better
equipped to communicate with aggressive or intimidating insurance
representatives to help you get the care and other benefits to which you
are entitled. In these cases, the office can refer you to a reputable and qualified attorney.
WHAT IF THE INSURANCE COMPANY WANTS ME TO SETTLE?
It's recommended that you do not settle
your case before a thorough evaluation by our office. If you settle
before your injury is fully diagnosed and treated, you will be
responsible for any medical bills you incur in the future.
Our office will write detailed reports
to insurance companies to assure that your claim will be effectively
documented during your treatment.
It is important that you do not cash any
checks that the insurance sends to your home. In many cases, this will
release them from any further liability in your care and you will be
personally responsible for your medical bills.
HOW MUCH TIME DO I HAVE TO REPORT AN INJURY FOLLOWING MY ACCIDENT?
The sooner you seek treatment following
your injury, the better. If you wait beyond 30 days following your
accident and then report an injury to the insurance company, they are
much less likely to pay for your care.
WHAT KIND OF TREATMENT WILL I RECEIVE?
At most health centers, chiropractic
care and physical rehab therapy are the foundation of treatment;
however, ultrasound, interferential current stimulation, traction, and
rehabilitation are also used.
If
your problem is lower back related, go to a centre that utilizes the
DRS System, a proven effective, non-surgical low back pain treatment.
The staff also includes a Medical Pain Management Specialist a,
providing you with the most comprehensive treatment available. They
also work with other health care professionals in the medical community
and if we can't help you, a referral will be made.
DOES TREATMENT HURT?
Absolutely not. The treatments are very gentle and quite relaxing. Most patients look forward to their appointments.
HOW DO I MAKE AN APPOINTMENT?
For a personal evaluation and
consultation, call North Dallas Chiropractic or Irving Rehab and
Wellness and ask to schedule an appointment. In most cases, you can be
seen the same day. The sooner you receive treatment following your
accident, the better your body will respond to restorative care. You
will be glad you did!
What is Personal Injury Protection (PIP)
The
Texas Department of Insurance requires automobile insurance
carriers in our state to issue all automobile policies it writes at
least $2500 worth of coverage and you have this coverage unless you
reject it in writing. Most people are unaware of this coverage or
even know what it is and therefore very few people use it. You end
up paying for coverage that they don’t inform you about and you’re
entitled to.
Why?
Insurance is not understood and most people rely on their agent and
claims adjusters to advise them on what to do after an accident.
Insurance is a multi-billion dollar industry and are in business to
make money. They keep their costs down, less payout, more profits
and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP
is no fault coverage similar to health insurance but on your auto
policy for your injuries and your passengers injuries. This coverage
is available regardless who is at fault. Yes, you can be the cause
of the accident and you will still be covered. There’s no deductible
and no co-payment. There is other separate coverage that will cover
the other party if you were at fault. If you do not have PIP then
you could still be covered if you were in an accident in another
state besides Texas. You may also be covered if you were hit in a
crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under
section 5.7016 of the Texas insurance code, automobile insurance
carriers cannot non-renew you for filing one PIP claim in a 12 month
period. Also, it is unlikely that they would raise your rates for a
sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical
treatment is expensive and you are liable for the costs. There is a
chance that the other party may never pay for your medical expenses
leaving you a financial burden. PIP gives you peace of mind that
your medical bills are covered. If you use your health insurance,
you may have to pay a deductible and co-pays to your doctor and if
the health insurance finds out that you were in an accident they
could request to be reimbursed. Some people get referred to a
medical provider by their attorney and the medical provider agrees
to be paid months or even years later. Since there are a limited
number of medical providers who agree to this arrangement, your
choice and quality of healthcare may be limited. The answer is to
use your PIP coverage so you will not have to pay for medical
expenses out of your pocket and get the best possible healthcare
treatment available for you and your family’s injuries caused by the
accident.
Why should i get an attorney after an Auto/Car accident for my injuries?
An attorney helps with all aspects of an
auto/car accident claim or injury. They keep an individual from
spending countless hours on the phone with insurance adjusters that
really don't care about your well being. It also helps to keep stress
levels down and allow you to concentrate on recovery and getting
well. Our office only works with the best attorneys/lawyers in
Dallas/Fort Worth. We have learned through trial and error, who best
takes care of our patients. They also make sure that all your medical
bills are settled. This allows you to be additionally stress and
medical bill free at the end. We also help those who are not able to
treat in our office, who are in need of an attorney. We are here to
help!!! So don't hesitate in calling and making an appointment to get
examined and also ask about scheduling a free consultation with a
reputable attorney. You only have one body, so you need to take care
of it. Call Today!!! (972)215-7720
WHAT IF I WAS IN AN AUTO/CAR ACCIDENT ?
Unfortunately, studies show that most of us will be in an auto accident at some point in our lives. The only question remaining, is how bad will it be?
The following are important things to remember if you are involved in an auto accident:
1. Seek treatment as soon as possible.
If there is a chance you may be seriously hurt, you should go to the Emergency room at your local hospital. There they can rule out fractures and life threatening injuries.
2. If you are still experiencing pain and discomfort a few days to a couple weeks later, than you should come to our office to find out if you have any structural damage.
NOTE: The longer you wait after an accident to come to our office, typically the longer it takes to get you better.
3. Most auto insurance companies have what is called Med Pay. This means that your bills will be paid up to 100% up to a certain limit. Our office can check that for you.
4. If the accident was not your fault. The other party's auto insurance should cover your health care expenses in our office. We do all of the paperwork for you.
5. At the accident scene, get as much information on the other driver or drivers as possible. An accident report by Police is always helpful, but not required to have a case.
6. You should never settle with an insurance company before you have had us evaluate your injury for you. If you settle before your injury is fully resolved, you will be completely on your own and will have to pay out of pocket for your care.
7. Dealing with insurance companies can be difficult after an auto accident. We have a number of reputable and highly qualified Attorneys who we can refer you to for a complimentary consultation. Hiring a reputable Attorney essentially takes you out of the direct bargaining process with the insurance company and all the paperwork and phone calls associated with that and lets you concentrate on healing.
8. Injuries sustained after a car-accident if left untreated can lead to spinal degeneration and a host of other problems for years to come.
FINAL NOTE: We find that many people involved in an auto accident that WAS THEIR FAULT never get treatment.
This tends to be due to the fear that their insurance will go up after a claim is filed.
Your PIP (Personal Injury Protection) is why you have auto insurance in the first place.
Many insurance companies will not raise your rates after 1 or even 2 accidents in the same year.
THE INJURIES SUSTAINED IN AN AUTOMOBILE ACCIDENT CAN CAUSE A HOST OF PROBLEMS FOR YEARS TO COME, OR EVEN THE REST OF YOUR LIFE.
YOU OWE IT TO YOURSELF TO COME IN AND GET CHECKED.
The following are important things to remember if you are involved in an auto accident:
1. Seek treatment as soon as possible.
If there is a chance you may be seriously hurt, you should go to the Emergency room at your local hospital. There they can rule out fractures and life threatening injuries.
2. If you are still experiencing pain and discomfort a few days to a couple weeks later, than you should come to our office to find out if you have any structural damage.
NOTE: The longer you wait after an accident to come to our office, typically the longer it takes to get you better.
3. Most auto insurance companies have what is called Med Pay. This means that your bills will be paid up to 100% up to a certain limit. Our office can check that for you.
4. If the accident was not your fault. The other party's auto insurance should cover your health care expenses in our office. We do all of the paperwork for you.
5. At the accident scene, get as much information on the other driver or drivers as possible. An accident report by Police is always helpful, but not required to have a case.
6. You should never settle with an insurance company before you have had us evaluate your injury for you. If you settle before your injury is fully resolved, you will be completely on your own and will have to pay out of pocket for your care.
7. Dealing with insurance companies can be difficult after an auto accident. We have a number of reputable and highly qualified Attorneys who we can refer you to for a complimentary consultation. Hiring a reputable Attorney essentially takes you out of the direct bargaining process with the insurance company and all the paperwork and phone calls associated with that and lets you concentrate on healing.
8. Injuries sustained after a car-accident if left untreated can lead to spinal degeneration and a host of other problems for years to come.
FINAL NOTE: We find that many people involved in an auto accident that WAS THEIR FAULT never get treatment.
This tends to be due to the fear that their insurance will go up after a claim is filed.
Your PIP (Personal Injury Protection) is why you have auto insurance in the first place.
Many insurance companies will not raise your rates after 1 or even 2 accidents in the same year.
THE INJURIES SUSTAINED IN AN AUTOMOBILE ACCIDENT CAN CAUSE A HOST OF PROBLEMS FOR YEARS TO COME, OR EVEN THE REST OF YOUR LIFE.
YOU OWE IT TO YOURSELF TO COME IN AND GET CHECKED.
Why should i be examined after a auto/car accident?
What are the symptoms of whiplash?
The most common symptoms related to whiplash include:
* neck pain and stiffness,
* headache,
* shoulder pain and stiffness,
* dizziness,
* fatigue,
* jaw pain (temporomandibular joint symptoms),
* arm pain,
* arm weakness,
* visual disturbances,
* ringing in the ears (tinnitus), and
* back pain.
In the more severe and chronic case of "whiplash associated disorder" symptoms can include:
* depression,
* anger,
* frustration,
* anxiety,
* stress,
* drug dependency,
* post-traumatic stress syndrome,
* sleep disturbance (insomnia),
* and
* social isolation.
How is whiplash diagnosed?
After an accident the patient may be taken to the hospital and/or a Chiropractor's office to be examined. The doctor will examine the patient to determine if they have any injuries that require treatment. Based on the symptoms and examination findings the doctor may place a collar on the neck for additional support. The doctor may also obtain x-rays of the neck to check for more serious injury. The most important first step is to make sure there is no major injury to the neck, head or the rest of the body requiring immediate treatment.
If the x-rays are normal but the patient continues to have neck pain, the doctor may keep the cervical collar in place and see the back in the office in about a week for an additional examination. At that time the doctor may obtain new x-rays to see if there have been any changes. If the doctor is still concerned about soft tissue injuries, he or she may obtain either x-rays with the head leaning forward and backwards (dynamic x-rays) or obtain an MRI (magnetic resonance imaging study). These dynamic x-rays or MRI scans are better able to detect injuries to the soft tissues of the neck, especially instability, that may not been seen with normal x-rays of the neck.
The most common symptoms related to whiplash include:
* neck pain and stiffness,
* headache,
* shoulder pain and stiffness,
* dizziness,
* fatigue,
* jaw pain (temporomandibular joint symptoms),
* arm pain,
* arm weakness,
* visual disturbances,
* ringing in the ears (tinnitus), and
* back pain.
In the more severe and chronic case of "whiplash associated disorder" symptoms can include:
* depression,
* anger,
* frustration,
* anxiety,
* stress,
* drug dependency,
* post-traumatic stress syndrome,
* sleep disturbance (insomnia),
* and
* social isolation.
How is whiplash diagnosed?
After an accident the patient may be taken to the hospital and/or a Chiropractor's office to be examined. The doctor will examine the patient to determine if they have any injuries that require treatment. Based on the symptoms and examination findings the doctor may place a collar on the neck for additional support. The doctor may also obtain x-rays of the neck to check for more serious injury. The most important first step is to make sure there is no major injury to the neck, head or the rest of the body requiring immediate treatment.
If the x-rays are normal but the patient continues to have neck pain, the doctor may keep the cervical collar in place and see the back in the office in about a week for an additional examination. At that time the doctor may obtain new x-rays to see if there have been any changes. If the doctor is still concerned about soft tissue injuries, he or she may obtain either x-rays with the head leaning forward and backwards (dynamic x-rays) or obtain an MRI (magnetic resonance imaging study). These dynamic x-rays or MRI scans are better able to detect injuries to the soft tissues of the neck, especially instability, that may not been seen with normal x-rays of the neck.
What is Personal Injury Protection(PIP)?
The
Texas Department of Insurance requires automobile insurance carriers
in our state to issue all automobile policies it writes at least
$2500 worth of coverage and you have this coverage unless you reject
it in writing. Most people are unaware of this coverage or even know
what it is and therefore very few people use it. You end up paying
for coverage that they don’t inform you about and you’re entitled to.
Why?
Insurance is not understood and most people rely on their agent and
claims adjusters to advise them on what to do after an accident.
Insurance is a multi-billion dollar industry and are in business to make
money. They keep their costs down, less payout, more profits and
bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP
is no fault coverage similar to health insurance but on your auto
policy for your injuries and your passengers injuries. This coverage is
available regardless who is at fault. Yes, you can be the cause of
the accident and you will still be covered. There’s no deductible and
no co-payment. There is other separate coverage that will cover the
other party if you were at fault. If you do not have PIP then you
could still be covered if you were in an accident in another state
besides Texas. You may also be covered if you were hit in a crosswalk
by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under
section 5.7016 of the Texas insurance code, automobile insurance
carriers cannot non-renew you for filing one PIP claim in a 12 month
period. Also, it is unlikely that they would raise your rates for a sole
PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical
treatment is expensive and you are liable for the costs. There is a
chance that the other party may never pay for your medical expenses
leaving you a financial burden. PIP gives you peace of mind that your
medical bills are covered. If you use your health insurance, you may
have to pay a deductible and co-pays to your doctor and if the health
insurance finds out that you were in an accident they could request
to be reimbursed. Some people get referred to a medical provider by
their attorney and the medical provider agrees to be paid months or
even years later. Since there are a limited number of medical
providers who agree to this arrangement, your choice and quality of
healthcare may be limited. The answer is to use your PIP coverage so
you will not have to pay for medical expenses out of your pocket and
get the best possible healthcare treatment available for you and your
family’s injuries caused by the accident.
There's still hope even if the Auto/Car Accident was your fault!
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.
Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?
Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.
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