Personal Injury FAQs

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Who pays for chiropractic care after an accident?

How do I get my company to pay the bills?

How much will my insurance company pay?

Can I go to my own doctor?

Can my company deny payment?

What should I do if payment is denied?

What other benefits are available to me?

Do I have to give a statement or an interview?

Can I make a claim for anything else?

When should I talk to a lawyer?

How will I pay a lawyer?

Why should I call Barna, Guzy and Steffen?

Who pays for chiropractic care after an accident?

In most cases, your own insurance covers 100% of your chiropractic and other medical expenses relating to your car accident, regardless of who caused it.

How do I get my company to pay the bills?

First, you must tell your insurance company about the accident right away.  Call and request an “Application for Benefits” form.  Fill it out and return it to them as soon as possible.  We can help you with this step.  Check with an attorney before you sign ANY authorizations or give ANY signed or recorded statements about the accident to anyone but the police.  Second, submit written requests for payment.  Often your chiropractor can help.  Your insurance company will require copies of all bills, prescription payments, and accident-related health care expenses.  Your insurance company is supposed to pay within 30 days.

How much will my insurance company pay?

Your company is supposed to pay 100% of your health care expenses, up to a limit of $20,000, unless you purchased additional limits of coverage.

Can I go to my own doctor?

Yes, you can go to any doctor and receive almost any type of treatment you choose.  You do not need any referrals or the permission of your insurance company.

Can my company deny payment?

In certain circumstances, yes.  For example, if you are in another accident or if you don’t see a doctor for over a year, the insurer may attempt to terminate your benefits.  If your insurer wants its own doctor to examine you, it can put your benefits at risk.  Call us immediately.  We can explain how you can fight any attempt to deny your benefits.

What should I do if payment is denied?

Contact us immediately.  You may still have rights to benefits but have a limited time to act.

What other benefits are available to me?

You can receive 85% of lost income, up to $250 per week.  You can also get $200 per week for replacement services to pay for help, such as housework, lawn care or snow removal, that you would normally have done yourself.

Do I have to give a statement or interview?

You do not have to give a statement to the other driver’s insurer.  Your insurer may have a right to a statement.  Any written or recorded statement you give will be kept on file with the insurance company and might be used against you later.  You can have a lawyer present during such a statement.

Can I make a claim for anything else?

Yes, you may have a claim for personal injuries and receive compensation for pain, wage loss, emotional distress, and other losses.  You may also have claims resulting from injuries to other family members.

When should I talk to a lawyer?

Right away.  The insurance companies will start to investigate the accident and interview witnesses right after the accident.  You need someone protecting your rights from the beginning.  Initial consultations are free.

How will I pay a lawyer?

Barna, Guzy & Steffen accepts cases on a contingency fee basis rather than billing you for each hour we work.  That means there is no money required up front, and we receive no fee unless we recover money for you.

Why should I call Barna, Guzy & Steffen?

When you have experienced an injury, a good outcome depends on choosing a good lawyer.  Ask a lot of questions.  Ask how many cases they have tried.  Ask how long they have been in business.  Ask them if they have tried cases like yours before.  Ask if they are certified specialists who handle only personal injury cases.  We have worked with thousands of injured people and have extensive trial experience.  Many of the cases were fairly straightforward, involving auto accidents, back and neck injuries, or other types of cases where financial compensation was needed.  Every day people injured in a variety of ways call our office needing our help and advice.  Initial consultations are free.