Third Party Insurance – Car Accident Coverage

If you were in a car accident caused by someone else, they are responsible for the damages to your car and the medical expenses for your injuries. This is called third-party coverage or third-party insurance.

Man holding his neck after a car accidentThe tricky part here is to prove that the accident was truly their fault. If you have anything short of video evidence of the accident, it will be hard to prove what happened during the collision. The other person’s insurance is going to dispute your claim and drag you through the courts.
This can take a lot of time, so most people simply give up. We have seen several people here at the clinic who do just that and assume the pain will go away on its own. For a while, it does seem to get better. However, serious injuries like this tend to become chronic issues that potentially lead to pain for the rest of their lives.

Our recommendation for anyone who expects coverage from third-party insurance is to hire an attorney. It sounds scary and it sounds expensive. But nearly 90% of our patients in these situations with an attorney get all their bills paid and they don’t have to worry about a thing.
On the other hand, our patients that move forward without attorneys are usually pressured into not seeking medical attention beyond the emergency room and often end up paying out of pocket for their expenses. An attorney will deal with the other person’s insurance company for months, even years, before they come to an agreement. But at least the patient doesn’t have to do all that footwork in unknown territory.

Options for Car Accident Injuries using Third-Party Insurance

At Dr. Ibolit Chiropractic, Physical Therapy, and Massage we put the patient first. We begin treatment regardless of whether finances are available or not. Our thought is that the job of the healthcare providers is to provide healthcare for our community, and the job of our billing and management staff is to work with your insurance and attorney.

They’re separate, so we treat them as such. If you’ve been injured in a car accident, schedule at least a free consultation with one of our chiropractors. More likely than not, we can help you figure out your insurance situation. We do this on your behalf, with a clear understanding that we won’t get a dime for months, and sometimes years, for the services we provide.

The unfortunate truth is that most healthcare institutions put money before patient welfare. A large chunk of the healthcare community simply won’t accept third-party insurance coverage until payment is guaranteed. This means that fault needs to be determined, a lengthy process at times. Months may pass before you can even be seen by a doctor – this is not right! You can find more about our mission in the about us page.

Multiple Car Pileups

In the scenario where there are more than 2 cars involved in the accident, you might have multiple third-party insurances available. Sometimes one person might be the cause of it all. The possibilities are endless, but these cases become more complicated. If you were injured in a multiple car pileup, seek legal help, and they will help you determine how to best get your medical expenses paid.

At Dr. Ibolit, we frequently see multiple car pileup patients, and their injuries are just as serious. That also means their coverage becomes several times more complicated. Because there are so many moving parts when it comes to a multiple-car accident, we can’t discuss every different variation here. However, give us a call and we can discuss your options.

Next Step

Schedule an examination with one of our physicians to make sure you’re okay. While you’re here, we will have our billing specialist contact your insurance company and suggest the best plan of action for you.