Forums
New posts
Search forums
What's new
New posts
New profile posts
Latest activity
Internet Search
Members
Current visitors
New profile posts
Search profile posts
Log in
Register
What's new
Search
Search
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Install the app
Install
Forums
General Discussions
The Watercooler
Sad update on the accident front
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="nvts" data-source="post: 133959" data-attributes="member: 3814"><p>Janet, I'm so sorry to hear of all this piling up.</p><p> </p><p>One thing that you can investigate very easily is whether or not your state has what is called "no-fault" coverage. It's really a stupid name for the coverage but this is how it works.</p><p> </p><p>When you're in a car accident and their are injuries, the CAR insurance covers the medical issues. That's not only for immediate care (ambulance, ER, emergency surgery) but for the "aftermath". This means any follow-up visits, medications, medical apparatus (splints, guaze, dressings, ace bandages, etc.). That's why various doctors offices ask whether this is a result of an auto accident.</p><p> </p><p>Regarding health coverage: she should speak to the social services people at the hospital. Quite often they are the ones that have the best information regarding this issue as they are the ones who have to make sure that bills will be paid. If she has no assets, medicaid would be at least something.</p><p> </p><p>If she's going to apply for medicaid (which she should most certainly do), don't call and ask questions. Make an appointment and go to the medicaid office. In some states, general information lines for government services can be routed through many different places that don't have the most up to date information. Go to the source.</p><p> </p><p>I suggest she get a marble type notebook to keep record of any and all conversations, purchases, etc.</p><p> </p><p>Tell her to notify her insurance that she's being charged, I believe that they can provide legal coverage (I can't say for sure that she'd have coverage - my insurance stuff is a little rusty).</p><p> </p><p>ALSO: and this is super important...she has to develop a really thick skin. Her relatives in the car MAY (it again depends on the state and the coverage) have to "sue" the insurance company for their medical expenses. This very well could result in her being served with papers. It's a formality. </p><p> </p><p>ALSO: anyone in the car that has a drivers license and has their OWN auto insurance, may want to notify their insurance company that they were a passenger in a vehicle that was in an accident. In most (if not all) states, there's a section on the declarations page called "uninsured/underinsured motorist" coverage. This coverage would kick in if there isn't enough coverage on the drivers policy for the medical bills. VERRRRRY FEW INSURANCE CO.'S WILL TELL YOU THAT YOU HAVE THIS COVERAGE! Essentially, it just short of allows you to sue yourself!</p><p> </p><p>As for you: Don't feel guilt about not being able to be there. I know that you like to be there for everyone, but since you're doing that for the whole "famdamily" something has to give. </p><p> </p><p>My mom put it in the best perspective when she got sick: "Once I die, and I am free to float around anywhere that I want to: Do you REALLY think that I'd spend it floating around a cemetary waiting around to see if you visit? I'll be seeing the rest of the world and stopping in to see all of you as I pass by to my next adventure. Don't waste your time!"</p><p> </p><p>I'm sorry this is so long, but I wanted to make sure that you had as much of the information about the insurance as soon as possible.</p><p> </p><p>God bless and keep them close to his heart!</p><p> </p><p>Beth</p></blockquote><p></p>
[QUOTE="nvts, post: 133959, member: 3814"] Janet, I'm so sorry to hear of all this piling up. One thing that you can investigate very easily is whether or not your state has what is called "no-fault" coverage. It's really a stupid name for the coverage but this is how it works. When you're in a car accident and their are injuries, the CAR insurance covers the medical issues. That's not only for immediate care (ambulance, ER, emergency surgery) but for the "aftermath". This means any follow-up visits, medications, medical apparatus (splints, guaze, dressings, ace bandages, etc.). That's why various doctors offices ask whether this is a result of an auto accident. Regarding health coverage: she should speak to the social services people at the hospital. Quite often they are the ones that have the best information regarding this issue as they are the ones who have to make sure that bills will be paid. If she has no assets, medicaid would be at least something. If she's going to apply for medicaid (which she should most certainly do), don't call and ask questions. Make an appointment and go to the medicaid office. In some states, general information lines for government services can be routed through many different places that don't have the most up to date information. Go to the source. I suggest she get a marble type notebook to keep record of any and all conversations, purchases, etc. Tell her to notify her insurance that she's being charged, I believe that they can provide legal coverage (I can't say for sure that she'd have coverage - my insurance stuff is a little rusty). ALSO: and this is super important...she has to develop a really thick skin. Her relatives in the car MAY (it again depends on the state and the coverage) have to "sue" the insurance company for their medical expenses. This very well could result in her being served with papers. It's a formality. ALSO: anyone in the car that has a drivers license and has their OWN auto insurance, may want to notify their insurance company that they were a passenger in a vehicle that was in an accident. In most (if not all) states, there's a section on the declarations page called "uninsured/underinsured motorist" coverage. This coverage would kick in if there isn't enough coverage on the drivers policy for the medical bills. VERRRRRY FEW INSURANCE CO.'S WILL TELL YOU THAT YOU HAVE THIS COVERAGE! Essentially, it just short of allows you to sue yourself! As for you: Don't feel guilt about not being able to be there. I know that you like to be there for everyone, but since you're doing that for the whole "famdamily" something has to give. My mom put it in the best perspective when she got sick: "Once I die, and I am free to float around anywhere that I want to: Do you REALLY think that I'd spend it floating around a cemetary waiting around to see if you visit? I'll be seeing the rest of the world and stopping in to see all of you as I pass by to my next adventure. Don't waste your time!" I'm sorry this is so long, but I wanted to make sure that you had as much of the information about the insurance as soon as possible. God bless and keep them close to his heart! Beth [/QUOTE]
Insert quotes…
Verification
Post reply
Forums
General Discussions
The Watercooler
Sad update on the accident front
Top