Car accident / Slip and fall

If you have had a car accident, a slip & fall, been assaulted, or hurt by a defective product, you should not use your regular health insurance.  You will need a lawyer to represent you in a personal injury case.  Yes, they usually take at least 1/3 of the settlement.  The good news is we do NOT need to fight with your regular insurance, and you get advanced care like PRP, which is usually 5000-10000$ cash, but you will have no out-of-pocket cost.  Plus, we can do all the other treatments that health insurance miser out so minimally, making you wait months while in pain.

We can do all the office-based procedures, like epidurals and radiofrequency ablations, including sedation that same day, if medically indicated.  We also offer acupuncture, which h not covered under most regular insurance, heat/ice, ultrasound and spinal manipulation.

If you do not already have an attorney, we have several we work with, and no, you usually do not need to drive to meet them in person.  You will need to sign an agreement with them electronically and/or on paper, and we can do that in our office, and you will not owe money, no matter what.  However, if the accident was your fault, or you were intoxicated, you got cited, or you should not have been driving, then there might be no coverage. If the other person is at fault and they have no insurance, while that is illegal, you would need to have uninsured motorist on YOUR insurance, or you have no coverage.  Sure, you can go after them yourself, but those kinds of people usually don't have anything to start with (which is why they have no insurance), and they usually have gotten away with this before.  One of the first things that has to happen is the establishment of liability, meaning that the other party has insurance and admits it is their client's fault.  Then there is a limit to their insurance policy, which means that the average car accident between two regular people (other than commercial vehicles or businesses) is limited to $25,000,$ and that gets cut into thirds for you, ALL the healthcare, and the lawyer.  If you do the math, it is $8,333.oo for each of the three.  You need to know that this is only if the case settles for the maximum.  The point is that there is a limit to what can be done under the personal injury before the lawyer needs to close it out and get you your settlement.  At that point, you can go under your regular health insurance for any residual problems you are having. 

If you are hit by a bus, tractor-trailer and or injured in an Uber or Lyft, the case might be different and much higher.

This is usually handled after the case settles and goes under your regular insurance.   While the case is active, most hospitals will not "gamble" on getting paid anything when major Orthopedic surgeries like knee scopes and Neurosurgery like spine surgeries.  So, they will often wait and usually not see you other than the initial hospital visit, until the case winds up.  

Obviously, if you are critically injured initially, you will be taken to a hospital or designated Trauma Center and cared for as long as necessary.  Once you are released, anything that becomes elective need to go under the PI case.  You may have heard otherwise becasue hopitals and system-owned groups will find "creative ways around the system", such as trying to reactivate an old BWC claim  - this is not recommended.

If you were alone and hit a wall at a high speed driving over or even at the speed limit with expired tags and get a DUI, do not expect to be covered or get anything.


DON'T be someone who has 4 rear-ends per year, and lawsuits are your major source of income - judges and insurance adjusters see right through professional "brake checkers"


DON'T  be someone who trips on a rug or mat at Kmart, then Walmart, then Lowe's every other weekend at 11 AM because that is your Saturday Morning activity.  These cases get tossed, and you do nothing but plug up the system.  Then, if you ever really do get hurt, you are labeled suspicious rather early in the case, and it might not settle.  Your regular health care insurance might consider your injury self-inflicted and not cover you either.