Where do I start?

by Will
(Escondido, CA)

I was in an accident with my friend on May 2nd. We we're driving down a windy road and he began texting around a turn, drifted off the road and into a dirt wall, which caused the car to roll onto the right side (my side.) Right after the accident I had trouble walking as my back was in tremendous pain, as was my right foot.

After the 20 minute ambulance ride to the hospital and 4 hours in the ER, with absolutely nothing done (they didn't even X-Ray.)

When I talked to my doctor, he said he wanted to x-ray/mri my foot and back to check for possible damages since the pain is still there.

I have health insurance so the bills from the ER and Ambulance aren't too much, but I don't have money for the tests to find out what's up with my foot and back, so I tried to get it from the Insurance company, who promptly denied. (I attempted to get a total settlement of 10,000, for pain and suffering, and medical bills.)

What am I supposed to do? How do I get the tests done, without having to pay for it out of my own pocket in case the insurance company doesn't reimburse me completely?.

Answer:

Sounds like you have to talk to a lawyer. Attempting to settle without having all documentation of your injury can be devastating to your claim.

Hello Will,

Talk to a local attorney to help you with this. There maybe a way to have more medical documentation regarding your injury.

Also, there is an issue regarding the payments the health insurance company made. They will have subrogation of rights. Please see: http://www.auto-insurance-claim-advice.com/Subrogation-of-Rights.html