What Should I Say to My Doctor After An Automobile Wreck?

You need to provide your doctor with accurate information about what is bothering you.You should also tellyour doctor how you were injured. For example, if you were involved in a car wreck, the number of vehicles involved, rates of speed, and how your vehicle was hit (i.e., rear ended). Once your doctor has diagnosed your condition, you need to feel comfortable withhis or her proposed treatment.If surgery is recommended, you may want to get a second opinion.Otherwise, I would defer to you (the client) and your doctor.

Should Someone Keep a Journal of Events Following An Automobile Wreck?

Keeping a journal can be helpful. However, you need to talk to your attorney before you start one. If your attorney advises you to keep a diary and you are preparing it for the purpose of providing it to your attorney, then it may be an attorney-client communication. Otherwise, it might be discoverable and potentially even admissible at trial.

What If My Medical Bills Exceed All Available Insurance Coverage?

The other driver’s insurance carrier will not pay your medical bills as you incur them. Instead, there will only be one check written and that will be after you have completed all of your medical treatment. Do not resolve your case before you have completed your medical treatment! Once you have finished treating, it is possible that the value of your case exceeds the limitsof all available insurance coverage. Under these circumstances, a couple of considerationswill come into play.

If you havemedical payments (med-pay) insurance coverage under your automobile insurance policy, itmay helppay some of your medical bills.If you have uninsured (UM) or underinsured (UIM) motorist coverage, you can make a claim under your policy. You can also stackUM/UIM coverage on top of the other driver’s liability coverage. Thus, if the other driver has $25,000.00 in liability coverage and you have $25,000.00 in UM/UIM coverage, you then effectively have $50,000.00 in insurance coverage.

If there isstill inadequate insurance coverage, or you do not have UM/UIM coverage, you might negotiate reductions with your healthcare providers or your health insurance carrier, so that you are able to pay them back a reduced amount. The obvious goal is to maximize the net amount that you receive.

How Important Are Pictures in an Automobile Wreck?

My advice is that you take pictures of the scene, as well as any visible injuries you sustained, and damage to the vehicles involved. The primary reason is because people generally understand pictures better than mere words or descriptions.

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