Can an Insurance Company Limit My Medical Treatment After an Accident?

Jul 14, 2017 Insurance Issues    Ohio Personal Injury

Posted by: Kisling, Nestico & Redick, LLC

If you were in a collision caused by another driver, you would have filed a claim against that driver’s auto insurance policy. If you were injured in a store or through a worker’s actions, then you may have had to file a claim against a business’s liability policy. Whatever insurer you work with to be compensated for your injuries, keep in mind that it cannot make medical decisions for you. You have a right to receive all necessary and appropriate care after an accident. Any insurer attempting to limit your medical treatments after an accident is simply trying to reduce its own expenses.

If you have been injured in an accident and an insurance company is trying to tell you it will not pay for certain medical treatments or procedures, call our Ohio personal injury lawyers of Kisling, Nestico & Redick immediately at 1-800-HURT-NOW.

Seek Medical Care Right Away After an Accident

If you were injured in an accident caused by another person’s carelessness or recklessness, you have the right to seek medical treatment at an emergency room, an urgent care facility, or through your family doctor who may then recommend you see specialists. You should follow your physician’s recommendations to ensure you receive all of the care you need to help you recover the greatest extent possible in the shortest amount of time. Appropriate medical care also reduces the risk of secondary injuries associated with an accident like infection, which are much more likely to occur if you do not see a doctor right away.

Use Your Health Insurance

If you have health insurance, you should use it. Do not hold back from using your own policy because you assume you will be paid back by an insurance company later. Once your health insurance provider is made aware that someone else was responsible for your injuries, it will seek to be reimbursed by the at-fault party itself through a process known as subrogation.

Potential Limitations Through Your Health Insurance

It is possible that your own health insurance company will not cover certain services based on your policy. This can happen when a health insurer believes a service is not both necessary and appropriate. If you are seeking pre-approval for a procedure or treatment, you can appeal your health care provider’s decision. You can also request a review of your case by an independent review organization, which will look over your medical documentation and analyze whether the requested service is necessary and appropriate. It will then make a recommendation to your insurer.

If your health insurance company is denying coverage after the procedure, then speak with your attorney about the likelihood that this will be covered by the compensation you receive through your personal injury claim. If recovering compensation is likely, you may not need to go through a battle with your own health insurer.

Other Insurers Cannot Limit Your Medical Care

As for other insurance companies, they do not have the right to limit the medical treatment you receive after an accident. Your medical care is between you and your doctor. If the at-fault party’s insurance company tries to say you are not entitled to a certain treatment or procedure, immediately contact an attorney at Kisling, Nestico & Redick because you are not being treated fairly or ethically by that insurer. If an insurance company does not agree with the cost of a procedure or treatment, then it can try to not reimburse you for this expense. However, it cannot stand between you and medical care.

Contact Our Ohio Personal Injury Attorneys for Help

If you were injured in an accident and now you are having a difficult time trying to gain compensation through an insurance company, call Kisling, Nestico & Redick at 1-800-HURT-NOW. Many insurance companies treat accident victims fairly despite looking out for their own bottom line. However, you may be having a very different experience. By contacting us today, you gain a legal team that is well-versed in insurance company regulations and underhanded tactics. We will protect your rights and fight for you to receive the compensation you deserve.