What does the auto insurance hold to take-home pay for contained by my twist of fate?
I was injured in a coup¨¦ accident. I hurt my knee. I call for a new knee immediately because of the exageration to an already arthritic knee.
The IME doctor said that he agrees that the accident exagerated the knees condition and says I need a different knee because of that car catastrophe. But he said because of the arthritis I would have likely needed one at some adjectives date in my life becasue I have arthritis already. Is the insurance still responsible for the surgury? The claims guy said he might not be responsible for the new knee but possibly he is responsible for the reconstruction of the knee to be precise needed because a new knee will single last 10 years which costs more than the new knees itself. What is he responsible for?
Answers:
The first answer is exactly right, but I wanted to offer a few handy tips as well. The very first item you need to do is to read your policy (including the fine print)
Strictly as a non-expert, once you read the policy, which is a written contract between you and your insurance company, if you still honestly believe that you are entitled to what you say, and the company still refuse to pay, you may want to hire a lawyer.
Hiring a legal representative still comes with its own costs and inherent risks (You may not win your case.) but if the company is withholding a benefit you salaried them for, you may want to consider this avenue to hold them accountable.
His only responsibility is to craft you whole, to get you final to the position you were in right away prior to the accident, no better and no worse.
This isn't always competent to be achieved exactly, but they should try to come close. I don't think you will be successful contained by getting fully reimbursed for the knee, but for some portion. They may try and calculate what it would cost to rehabilitate a non-arthritic knees and offer that.
Related Questions:
The IME doctor said that he agrees that the accident exagerated the knees condition and says I need a different knee because of that car catastrophe. But he said because of the arthritis I would have likely needed one at some adjectives date in my life becasue I have arthritis already. Is the insurance still responsible for the surgury? The claims guy said he might not be responsible for the new knee but possibly he is responsible for the reconstruction of the knee to be precise needed because a new knee will single last 10 years which costs more than the new knees itself. What is he responsible for?
Answers:
The first answer is exactly right, but I wanted to offer a few handy tips as well. The very first item you need to do is to read your policy (including the fine print)
Strictly as a non-expert, once you read the policy, which is a written contract between you and your insurance company, if you still honestly believe that you are entitled to what you say, and the company still refuse to pay, you may want to hire a lawyer.
Hiring a legal representative still comes with its own costs and inherent risks (You may not win your case.) but if the company is withholding a benefit you salaried them for, you may want to consider this avenue to hold them accountable.
His only responsibility is to craft you whole, to get you final to the position you were in right away prior to the accident, no better and no worse.
This isn't always competent to be achieved exactly, but they should try to come close. I don't think you will be successful contained by getting fully reimbursed for the knee, but for some portion. They may try and calculate what it would cost to rehabilitate a non-arthritic knees and offer that.
Related Questions:
- What insurance companies are best umbrella coverage home,auto,termlife,disability,umbrella coverage?
- Can my auto insurance company embargo to payment me change for damages?
- In California, are you fined for a lapse within Auto Insurance?
- How long does it pocket insurance companies to settle a minor auto quirk claim?
- Is the auto body shop recommended by the Insurance company inferior to the one I select?