What Events Will Occur after an Auto Collision?
Interviewer: Could you kind of give us a typical scenario of what happens during an auto injury? A step by step explanation and the process of what the person must do after that?
If You Have Retained an Attorney, He or She Will Begin to Gather Any Medical Information, Including Doctors’ Reports and Bills
Adam Hunt: A typical process as far as a personal injury would be, obviously, getting the client in, conducting the interview, make sure they’ve been evaluated properly. We send a letter of representation to the insurance company, and have the client sign releases so I can get medical notes, billing information from the providers, whether it’s an emergency room or their family doctor.
With this aspect we really have to cover all the bases because emergency rooms are known for having 12 different types of billing. They can have one for the radiologist, one for the emergency room visit, and one for the emergency room doctor and so on. If they received any kind of drugs they’re going to have a bill from the pharmacy of the emergency room. It’s quite a collection of information.
The Attorney Will Advise You to Wait until You Have Finished the Recommended Medical Treatment before Doctors Can Evaluate the Extent of Your Injuries
There we obviously wait until treatment, if there is any, is done. Making sure, obviously, the patient is getting the proper care is concern regardless. From there I digest all the material that’s given to me from the various physicians or emergency rooms and compile it into what we call a demand letter, which is probably better known as a demand package. This is because at that point in time I consolidate the information provided to the agent and then they can see what the claim is.
Your Attorney Compiles the Information into a Demand Package, which Is Presented to the Other Party’s Insurance Company
Thorough personal injury attorneys will actually present this very professionally, bind the material together to ensure that every item is in there. Before this, the attorney will have reviewed each and every piece of information that they received. Then compile it into something that they can digest with just the letter, but the package includes the letter and all the material to support it.
Interviewer: How long does this process generally take? How long could it take?
Adam Hunt: It depends. The first thing, obviously, is they have to be completed their treatment. If they needed extensive treatment it’s going to take a little longer. If it’s something minor, it could be faster; I would say two months is probably the shortest time frame. Typically, it is anywhere between then and a year.
Interviewer: Is this process the same for motorcycle accidents?
Adam Hunt: They would work the same. If a motor vehicle is involved, whether it’s a motorcycle, car, car versus person, or car versus motorcycle, the cases typically all proceed about the same way.
What Is a Gap in Treatment?
Interviewer: When an insurance company refers to a treatment gap, what does that mean?
Adam Hunt: A gap in treatment means an individual didn’t actually comply with whatever the recommendation of their primary care physician was or whatever the emergency room treating physician had requested. This typically pertains to follow-up treatment. Having the individual go to their primary doctor is usually what an emergency room doctor recommends.
Their family physician would then probably say, “Well, you need to go get x-rays because you’re still in pain. You shouldn’t be at this point in time.” If there’s a gap in there where they don’t comply with what they should be doing, that describes a treatment gap.
By Adam Hunt