Posts

Signs of a concussion are sometimes subtle. It’s important, especially after a car accident, to monitor yourself or family members for any or all of the symptoms outlined in this short article. Signs of a concussion sometimes show up hours or even days after an accident or injury to the head. Certainly, a medical expert’s opinion will help you confirm or dispel your concerns surrounding concussions. Our firm routinely represents injured individuals in personal injury matters involving concussions. Because treatment for concussions is limited, insurance adjusters often attempt to low-ball clients for their injuries. Our experience routinely negotiating concussion claims pays off when we work to settle your claim. In addition to the pain and suffering you experience when you receive a concussion from a car accident, there is also the threat of future concussions, which should be accounted for in your settlement.

If you would like to speak with a Charlotte personal injury attorney today, call 704.749.7747 or click to request a FREE CASE EVALUATION and we will reach out to you today. Below, you will find more information about the signs of a concussion– we hope it’s helpful.

Signs Of A Concussion

Loss of Consciousness—Loss of consciousness can occur for a few seconds or can go on for a few minutes. Any loss of consciousness associated with a car accident should put you on high alert that you may have suffered a concussion.

Speech Issues—If you are slurring speech or having trouble ‘finding the right words’, it could be because you are shaken up on the heels of an accident. However, if this symptom continues, it could be the sign of a concussion. Individuals who have trouble answering basic questions should be concerned.

Dizziness—Feeling a sense of imbalance or vertigo could be a sign of concussion. Temporary dizziness may be experienced directly after an accident, as a result of raised adrenaline or another bodily response; however, if the condition continues without reason, it should give cause for concern.

Less Obvious Signs Of A Concussion

Headaches—Often we dismiss headaches as the result of allergies, hunger, or a lack of sleep. While this may be the case, consider keeping track of your headaches after a car accident. If you can’t trace them back to specific circumstances, you could be feeling the after-effects of a concussion.

Nausea—Along the lines of headaches, nausea is a less obvious sign of a concussion. When considered together with other symptoms on this list, your nausea should be taken seriously especially if on the heels of a car accident or slip and fall injury.

Inability To Sleep—Many people experience an inability to sleep, or insomnia. This makes it difficult to isolate this symptom of concussions. Much like the other less obvious symptoms in this list, an inability to sleep should be taken into consideration together with all other symptoms.

See A Doctor After A Car Accident

Many times, our car accidents seem minor. There doesn’t appear to be much physical damage to either vehicle. Physically we feel adrenaline, but we don’t feel ‘hurt.’ For a lot of individuals, that means they decide to move forward and continue with their day. Often, the symptoms from injuries sustained as a result of the accident come on a day or two after the car accident.

Any time you’re in a car accident, it makes sense to see a medical professional. If you’re able to transport yourself safely to the hospital or Urgent Care, we encourage you to do so. If you feel as though you need an ambulance, request one from a responder on the site.

Signs Of A Concussion In Children

While many of the same symptoms for concussion occur in children, an article posted on healthline.com specifically addresses symptoms in children.

Medical Payments Insurance Coverage

This is a good time to review whether you have Medical Payments coverage with your auto insurance policy. In the event you’re in an accident—regardless of whether it’s your fault—Medical Payments coverage will cover some or all of your medical expenses associated with the accident. Medical Payments coverage is inexpensive on an annual basis, and priceless when you’re in an accident and need medical care.

Talk To A Personal Injury Lawyer

If you’ve been in a car accident, you should take steps to protect yourself both physically and legally. Call our office to speak with a personal injury attorney. Consultations are free and can be done over the phone. We can be reached at 704.749.7747 or you can click HERE to quickly request a phone call from us. We’re happy to help, and we hope you choose to Recover With Us.

Does Bankruptcy Include Car Loans

How Much Do You Get For Pain And Suffering?

If you’re wondering how much do you get for pain and suffering in a personal injury settlement, you’re not alone. This is one of the most important concerns of all new personal injury clients. While pain and suffering can be difficult to estimate in a personal injury claim, There is a rather basic way to determine what you received for pain and suffering. This article will help to try to answer the question “How much do you get for pain and suffering?” If you’d like to speak with a personal injury lawyer about pain and suffering, you can call 704.749.7747 or click for a FREE PERSONAL INJURY CONSULTATION and we will reach out to you shortly.

What Is Pain And Suffering Worth?

Placing a value on pain and suffering is challenging. Most clients agree that there is no amount of money which would make them happy with the accident. In other words, what they really wish is that the car accident never happened. That being the case, the second best option is to receive an amount of money which you feel fairly compensates you for what you’ve been through. Unfortunately, at the time of settlement, most clients are still hurting from their car accident, or concerned about lingering pain and suffering they might experience after settlement.

For lack of a better way to calculate pain and suffering, in most cases your pain and suffering will be some multiplier of the cost of your medical treatment. Your personal injury attorney will argue the total value of your treatment should be used in that equation, and the insurance adjuster will argue the actual end cost of the treatment should be used. This often results in very different proposed settlement amounts. Below, is an example:

Example 1:

Original Medical Bills: $100,000
Payments By Health Insurance: $8,000
Adjustments (write-offs): $92,000
End Balance: $0

In the above example, your personal injury attorney will argue that the medical billing being considered should be the $100,000, because this is the amount of the bill. The insurance adjuster will argue the $8,000 paid by health insurance is that amount that should be used. Their explanation will be that the medical treatment, in the end, only cost $8,000. If the parties are multiplying the medical billing by 2, you can see that the end numbers will come out very differently.

How Will I Know What I Received For Pain And Suffering?

In the end, the amount of money remaining after all medical bills are paid, and after lost wages are reimbursed, represents your pain and suffering. Simply put, this is the amount of money above and beyond expenses, which you are receiving from the settlement. One thing you will notice in the demand package your personal injury attorney sends out, is that typically we do not ask for a specific amount for pain and suffering. Using our example above, whatever amount we ask for above and beyond your medical bills and lost wages usually represents our theory surrounding the value of the pain and suffering you’ve experienced. If you have Medical Payments coverage on your own policy, this could also dramatically changes things in your favor.

What About Future Pain And Suffering?

Once you reach a settlement with an insurance company, that settlement is final. Therefore, you and your personal injury attorney should take into account the lingering effects of the car accident or slip and fall, when settling on your demand request. But don’t worry, your personal injury attorney will walk you through this step by step, and explain each part of the process along the way.

Speak With A Personal Injury Attorney Today

If you have questions remaining about “How much do you get for pain and suffering?” you should speak with a personal injury lawyer today. The call is free and you deserve answers. We would love to hear from you. You can call us at 704.749.7747 or click for a FREE PERSONAL INJURY CONSULTATION and we will reach out to you shortly. We know you have choices. We hope you choose to Recover With Us.

How much will my Chapter 13 payment be

Medical Payments Coverage

Medical Payments coverage is coverage you may have on your own auto insurance policy. If you have Medical Payments coverage, it will cover some or all of your medical bills incurred as the result of a car accident. This is true whether the accident was your fault or not. Medical Payments coverage can make all the difference for you as an injured party. First, you may not have health insurance, or may have a high deductible; if so, Medical Payments coverage will pay for bills which your health insurance may not cover. Second, the Medical Payments coverage can supplement any health insurance you do have, and can help you recover co-pays and out of pocket expenses. Lastly, even if the accident is not your fault, you may not be able to recover from the at-fault driver. In that case, the Medical Payments coverage will help absorb some of the financial impact of the accident.

The Reasonableness Factor

The language of your auto insurance policy will govern what your Medical Payments coverage will pay. It’s not always as easy as simply submitting your bills to your insurance carrier. Insurance companies often limit their responsibility to reimburse only those medical treatment expenses they deem to be “Reasonable”. Our experience with handling Medical Payments claims has revealed that insurance companies will often exclude the following from reimbursement:

  • Experimental treatments which are not designed to serve a medical purpose;
  • Acupuncture
  • Purchases of equipment which not primarily designed to serve a medical purpose, such as a home gym for rehabilitation

In addition to the treatment being reasonable, the cost of the treatment must also be reasonable. It is not unusual to receive a response from an insurance carrier indicating they will cover a percentage of a chiropractor’s fees, and a refusal to reimburse for the remainder. Quite often, the insurance company will “red line” the chiropractor’s treatment notes, indicating what the insurance carrier believe to be unreasonable treatment. Similarly, they may red line the chiropractor’s bill in an effort to indicate what they believe to be excessive treatment. If you have questions about chiropractic treatment, our article on Charlotte Chiropractors may help answer those questions.

Fortunately for the injured party, there is a presumption of reasonableness in North Carolina, established in N.C.G.S. Sec. 8-58.1. While an insurance company can rebut this presumption, your personal injury lawyer should be able to persuade them that making full payment on the Medical Payments reimbursement submission is preferable to facing a lawsuit over Medical Payments coverage.

Your Responsibilities

Your insurance policy typically requires some responsibilities or duties which you must uphold. You will be asked to cooperate with any investigation into the claim. You will also be asked to assist the insurer should they request medical records to substantiate the Medical Payments request. You may also be asked to sign a HIPAA release in the event your insurance provider wants to obtain medical records and billing on their own.

Speak With A Personal Injury Lawyer

If you were in a car accident, or if you were injured by a vehicle as a passenger, pedestrian or cyclist, you may be entitled to Medical Payments coverage. We recommend you consult with a personal injury lawyer today. You’ll get your questions answered and we’re happy to help. We can be reached at 704.749.7747 or you can click to request a FREE PERSONAL INJURY CONSULTATION, and we will reach out to you shortly. We know you have options. We hope you choose to Recover With Us.

 

medical payments

Medical Payments coverage (or “Med Pay”) is an available amount of money which can be applied directly to your outstanding medical bills. These funds are in addition to any settlement you reach with an insurance company related to a car accident or a slip and fall in North Carolina. This article will help you to understand Medical Payments coverage and how it works in the personal injury arena. Additionally, please feel free to reach out to us HERE if you have any questions.

Medical Payments Eligibility

Not every auto insurance policy contains Med Pay coverage; however, if you purchased Med Pay coverage, you declarations page will list the coverage. You can also call your insurance agent or insurance company to ask. In order to access Medical Payments coverage under your auto insurance policy, your medical bills must have been generated from an injury sustained in a car accident.

Medical bills resulting from an injury sustained on a business property may also be entitled to Med Pay coverage. Your personal injury lawyer will inquire as to whether the premises liability coverage maintained by the business owner contains Medical Payments coverage.

Medical Payments Coverage And Personal Injury Settlement

Your settlement with an insurance company for a liability claim stemming from a car accident or slip and fall on a business premise will not be affected by the Med Pay coverage. This coverage is separate from your personal injury settlement. When Medical Payments coverage is available, quite often it means that the funds from your personal injury settlement will be spent less on medical bills and more money will go to you, the injured person.

Medical Payments And Personal Injury Attorney Fees

Your personal injury attorney is not permitted to take a 1/3 contingency fee from your Medical Payments proceeds; however, most personal injury attorneys charge a small administrative charge for processing the Med Pay check and orchestrating the claim with the insurance adjuster. This is the customary and allowable practice in North Carolina.

Do I Have Medical Payments Coverage?

Call our office today and we can help you determine if you have Med Pay coverage. We will explain the process for obtaining the benefits of that coverage, and discuss your personal injury claim with you as well. You can reach us at 704.749.7747 or click HERE to request a call. We’re here to help and we hope you choose to Recover With Us.

Further Reading

To read over 100 articles we’ve written about personal injury topics, please visit our Personal Injury Blog page.