Have you been in an accident?
If you are a victim of the 840,000 injuries caused every year as a result of a car crash, this is what you need to know.
Typically, when you refer to personal injury you are describing a person who was injured by an automobile, truck, motorcycle, or any other structure or object causing injury to a person while occupying a motor vehicle or being impacted by someone else's vehicle causing injury to that person.
SOUND CONFUSING? WELL, IT IS CONFUSING AND IT'S DESIGNED TO BE THAT WAY.
So, the question is, if an accident happens, what do you do? Unfortunately, that answer is not simple either. You can call the police. You can call a lawyer. You can call your insurance company. You can take pictures. You can exchange information with the other driver. You can either go, or not go to the hospital. You can go to a walk in clinic or your family doctor and so on. There are a number of ways to react after an accident and we have provided you with a go to list below but, there are some things you must do in order to obtain medical care for your injuries and have them covered by your insurance.
If you intend to file a claim and seek medical treatment
YOU MUST SEE A MEDICAL PROFESSIONAL WITHIN 14 DAYS OF THE INCIDENT
OR THE INSURANCE COMPANY DOES NOT HAVE TO PAY YOUR CLAIM!
To satisfy that, you can see: a paramedic at the scene, go to the hospital, go to a walk in clinic, or visit your family doctor who has the credentials of an MD, DO, DC, or DDS. Now, if you fail to see any of these practitioners or an ARNP/PA, and that physician fails to establish what is called an "emergency medical condition" during the course of your treatment, the insurance company is only responsible for paying out up to $2500 in benefits instead of the $10,000 in personal injury protection that you are paying for in your plan.
Sound unfair? That's because it is, and that is why WE URGE YOU TO SEEK MEDICAL TREATMENT AS SOON AS POSSIBLE AFTER AN ACCIDENT OR INJURY.
Dr. Lawrence Ross has helped thousands of accident victims over the 30 years he has been in practice on the Treasure Coast. He will be an advocate for you with both your lawyer and your insurance company. Our office has worked with almost every lawyer in the surrounding counties and Dr. Ross has successfully testified on behalf of his patients, providing expert testimony, on hundreds of occasions. We will be there for you every step of the way and we hope you allow our experience and expertise in the management and successful treatment of personal injury patients to benefit you.
We would love the opportunity to discuss your injuries and assist you in your recovery process. Please feel free to call our office with any questions or concerns you may have or to schedule a consultation to go over your treatment options. We are available 24 hours a day to the people under our care and we believe in treating our patients as members of our family. Accidents don't always strike between normal business hours and we believe you shouldn't have to wait for the care you deserve. Give us a call and we'll show you the OACH difference. We can be reached 24/7 at (772) 409-4774 or (772) 940-8888.
HERE'S WHAT YOU DO WHEN THE UNEXPECTED HAPPENS
1. FIRST OFF, MAKE SURE EVERYONE IN YOUR VEHICLE IS OKAY.
2. GET MEDICAL ATTENTION FOR ANYONE THAT MAY BE INJURED.
3. DECIDE AFTER SPEAKING TO THE PARAMEDICS, WHETHER YOU NEED TO GO TO THE HOSPITAL FOR IMMEDIATE CARE.
REMEMBER, YOU MUST SEEK MEDICAL ATTENTION WITHIN 14 DAYS OR YOUR INSURANCE DOES NOT HAVE TO COVER YOUR MEDICAL EXPENSES!
4. CHECK ON THE OTHER VEHICLE AND SEE IF EVERYONE IS OKAY.
5. INSIST ON CALLING THE POLICE TO REPORT THE ACCIDENT.
6. MAKE SURE YOU FILE A REPORT.
7. EXCHANGE DRIVER AND INSURANCE INFORMATION WITH THE OTHER VEHICLE(S) INVOLVED.
8. OBTAIN THE NAMES OF ANYONE THAT MAY BE IN THEIR VEHICLE(S).
9. IF POSSIBLE, TAKE PICTURES OF YOUR CAR, THEIR CAR, AND THE SCENE WHERE THE ACCIDENT TOOK PLACE.
10. CALL YOUR INSURANCE COMPANY AND REPORT THE ACCIDENT. MAKE SURE YOU OBTAIN YOUR CLAIM NUMBER AND ANY OTHER INFORMATION YOU MAY NEED.
11. REFRAIN FROM ANSWERING ANY QUESTIONS YOUR INSURANCE COMPANY MAY HAVE ABOUT YOUR INJURIES WITHOUT FIRST CONSULTING WITH YOUR ATTORNEY. YOUR BODY TENDS TO BE IN SHOCK AFTER A TRAUMATIC EVENT AND YOUR INJURIES MAY NOT APPEAR UNTIL AFTER THE FIRST 24-72 HOURS HAVE PASSED.