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Jason R. Schultz P.C

Q:
Do my medical bills have to exceed a certain amount before the insurance company pays for my accident in Georgia?

A:
If you are filing an injury claim and are wondering whether or not your medical bills must exceed a certain amount before your insurance company will pay, you should consult a Newnan personal injury lawyer for help reviewing your policy, deductible and your injury claim.

The short answer is that the goal of insurance adjusters is to save the insurance company as much money as possible. With this goal in mind, the adjuster will evaluate your injury claim with a close eye on your policy, your deductible and your medical expenses. 

One way the insurance adjusters try to save money is by breaking your medical bills into two categories: diagnostic and treatment.

They will likely argue that anything that falls within the realm of diagnosing your injury is diagnostic, including: 
  • ambulance transport to the hospital;
  • emergency room visit;
  • X-rays or other diagnostic tests; and
  •  even appointments with a specialist. 
They will typically leave all of the other medical bills as “treatment” as a means of reducing the amount they will pay out. Things like: 
  • costs of hospital visits;
  • costs of doctor visits;
  • medication; and
  • physical therapy.  

An adjuster may try to say that the bills that fall under “treatment” are the items that actually relate to your injury and are what determine your pain and suffering. 

This is where a Newnan personal injury lawyer can negotiate with the insurance adjusters on your behalf to fight for the compensation that you deserve. 

They will demonstrate that all of your medical bills are related to one another: each area complements the other because a doctor can’t treat your injuries without first discovering the extent of the injury through proper diagnostic procedures. One is useless without the other!

Contacting a Newnan Personal Injury Lawyer

As the victim of a Georgia injury, you have rights that the insurance companies cannot ignore. While they have a team of lawyers working on their side, shouldn’t you have experienced legal representation fighting for your best interests? Before accepting any settlement offer, contact the Law Offices of Jason Schultz to schedule a FREE consultation.

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