Understanding who pays is a common question. It depends on the circumstances of your accident and the insurance coverage available.
If you’ve been injured in a car accident, don’t assume you’ll automatically have to pay for all of your care out of pocket.
Our team has more than 20 years of experience working with auto accident and personal injury cases, and we’ll help you understand the information we need to determine how your care may be handled.
What If the Other Driver Was at Fault?
When another driver is responsible for an accident, their auto insurance may ultimately be responsible for accident-related damages, including qualifying medical expenses, depending on the circumstances of the claim.
If you’re working with a personal injury attorney, our office can also coordinate with the attorney’s office regarding your case and our billing.
In qualifying personal injury cases, we may be able to provide care without requiring payment at every visit and address the outstanding balance when the claim or case is resolved.
We’ll explain how this works before you begin so you understand your financial responsibility.
What If I Was At Fault?
Don’t automatically assume there are no options available.
Your own auto insurance policy may include coverage that can help with medical expenses following an accident, depending on the coverage you’ve purchased.
If there isn’t applicable insurance coverage or another payment arrangement available, you may be responsible for the cost of your care.
Our team can review the information you have and explain our payment options so there aren’t surprises along the way.
What If the Other Driver Doesn’t Have Insurance?
This is another situation we encounter.
Your own auto policy may include uninsured or underinsured motorist coverage, depending on the policy you purchased and whether that coverage applies to your circumstances.
If no applicable coverage is available, you may ultimately be responsible for your healthcare expenses yourself.
Because insurance policies and accident circumstances vary considerably, we don’t want to make assumptions about your coverage before reviewing your situation.
Do I Need an Attorney?
You aren’t required to hire an attorney simply because you come to Chandler Chiropractic.
However, personal injury claims can become complicated, and we often recommend that patients consider speaking with a qualified personal injury attorney—particularly when there are significant injuries, disputed liability, insurance questions, or concerns about protecting their legal rights.
An attorney represents your legal interests.
We represent your healthcare interests.
Those are different roles, and it’s important to keep them that way.
We’ll Help You Understand Our Part of the Process
One of the last things someone needs after an accident is more confusion.
You’re dealing with your vehicle.
Insurance companies.
Possibly missed work.
Appointments.
Pain.
And now medical bills.
Our team has worked with auto injury patients for more than two decades, and we’re familiar with the documentation and communication that can be involved in personal injury cases.
Before beginning care, we’ll explain how our office expects your account to be handled based on the information available to us.
If something changes with your claim or coverage, we’ll communicate with you.
The goal is transparency.
You should be able to focus on your health without wondering every visit:
“Who’s paying for this?”
We’ll help you understand that part of the process as clearly as we can.
