Individuals injured in car accidents will have only 14 days to seek initial treatment as opposed to the previous policy that placed no time limit on treatments. If treatment is sought after two weeks, nothing will be reimbursed by the insurance company. Further, policyholders may be eligible for only$2,500 in coverage, as opposed to the previous limit of $10,000. Only those with serious injuries are eligible for the higher limit, while those with less severe injuries will receive only up to $2,500.
If you have been in accident, you may not be able to think clearly right away. Here are some steps and practical information that can help make, an already stressful situation, manageable.
Step 1: Stay Calm and Seek Medical Attention
Try to stay calm. Panic can make others panic and the situation worse. There needs to be a calm person to determine the extent of damage and to determine if there are any injuries that need immediate medical attention. After you call highway patrol, make sure you call your chiropractor to schedule an exam in order to receive your full medical benefits as stated by Florida Statute 627.736.
Step 2: Take Pictures
Take pictures & photographs of the damage to the vehicles
Step 3: File a Police Report
Even in a minor accident it is important to make sure there is a legal accident report. Do not leave the scene until the police file a full report. Make sure you have your accident report and auto insurance information with you to your initial chiropractic visit.
Step 4: Discuss the Accident with Those Directly Involved in the Case
It is important to limit your discussion of the accident and not to admit any fault or liability. You should talk about the accident with the police, your doctor, your attorney and your insurance agent only. Do not discuss any matters concerning your injuries with the at-fault insurance company.
Step 5: Get the Facts
This is the part most people know to do, but often forget to after the accident for one reason or another. It is important to get names, address, and phone numbers of everyone involved in the accident. A description of the car and license plate number can also be helpful, but make sure you also get their insurance company and the vehicle identification number of their car. Don’t just assume the license plate number will do because most insurance companies only record the type of car and the vehicle identification number, not the license plate number.
Step 6: Call Your Insurance Agent
Call your agent or insurance company’s 800-number immediately, even at the scene with the police if possible. Sometimes the police officer can give your insurance company more accurate information rather than information you may not be recording properly because you are upset by the accident. This can save you a lot of time later waiting for your claim to be processed. Do not sign any documents without having an attorney review the documents first.
OCALA CHIROPRACTIC AND INJURY