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Copyright 2003 Michael J. Gallagher - All Rights Reserved |
Medical Expense Benefits “Who pays my medical benefits and for how long?” Your medical expense benefits are paid by your own No-fault insurance carrier, regardless of who was at fault. If you do not have No-fault coverage of your own, the rules regarding which insurance company pays are the same as those for wage loss benefits. Your insurance company will pay your medical expenses for your entire life, so long as you prove the medical expenses were for injuries you suffered in the accident. Medical Benefits Include: * Doctors, hospitals, ambulances, home health care, occupational and physical therapy, nursing homes, rehabilitation, etc. * Medical and other equipment necessary for your care, recovery and rehabilitation. * Mileage to and from the doctor, hospital, or clinic, such as physical therapy. * Rehabilitation: Vocational, and if necessary, educational. If you were the owner or registrant of an uninsured car, and you were injured in an accident, you will presumptively not be entitled to No-fault Benefits. “Is there a limit on how much my insurance company must pay for medical expense benefits?” No. The insurance company is responsible for all expenses that are deemed “reasonable and necessary” for your care, recovery and rehabilitation. The insurance company is not responsible for expenses that are “unnecessary” or “unreasonable” (such as a private room unless medically necessary, or fees that are improperly high.) To avoid problems with payment of medical expenses, check to make sure that your doctor feels that the services or equipment are “necessary” for your care, recovery, or rehabilitation. The No-fault insurance company is responsible to work out any disputes between it and the health care provider as to amounts it deems “unreasonable”. “What if my injuries require that my home or car needs modification?” Your No-fault insurance company is responsible for expenses you require to modify your home or car to accommodate your injuries. These modifications must be “reasonable and necessary” for your care, recovery and rehabilitation. The insurance company will work closely with your health care providers to determine the extent of your needs. Your No-fault insurance company will pay up to twenty ($20.00) per day to have someone perform services for your or your family that you would have provided but cannot because of your injuries. These include such things as household chores, meal preparation, babysitting for minor children, transportation, and yard work. This benefit may be paid to anyone who performs these services for you, including family members. The $20 is a daily rate. For example, you cannot hire someone for $40 one day and nothing the next. Replacement service benefits are payable for up to three years from the date of the accident. If you have any questions, please contact me: Michael J. Gallagher, Personal Injury Attorney mike@lawyerinjuryexpert.com 1-877-445-4446 |
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