Do my medical bills have to exceed a certain amount before the insurance company pays for an Ames car accident?

If you sustained injuries in an Ames car accident, your medical bills do not have to exceed a certain amount before the insurance company pays. When filing your insurance claim, be sure to submit all of your medical expenses and demand that you get reimbursed. If negotiating with insurance companies is not your strong suit, a qualified Iowa personal injury lawyer can act on your behalf to help you recover compensation for your injuries.

An insurance adjuster may try to separate your medical expenses into a diagnostic category and a treatment category. Diagnostics includes your emergency care, any tests run to diagnose your problem and specialist visits, while treatment includes medication, surgery, physical therapy and routine doctor visits. 

The reason why the adjuster will try to reject part of your insurance claim is that the amount of general damages (i.e., pain and suffering, diminished quality of life) is based on your special damages (medical expenses). By reducing the amount of your special damages, the adjuster can save the company money on your total Ames car accident claim. 

Many times, the adjuster will argue that only your treatment expenses are related to the severity of your injury; however, remember that you cannot get the treatment you need without the proper diagnosis. Therefore, diagnostics are just as important as treatment. 

Submitting an insurance claim can be a complicated process. A qualified Iowa personal injury lawyer can help you determine the value of your injuries and submit the proper medical files and paperwork to back up your insurance claim. 

Contacting an Ames Personal Injury Lawyer

If you were injured in an Ames car accident, a qualified injury lawyer can help with your insurance claim. The personal injury attorney team at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies. That’s why we provide this FREE book; The Legal Insider’s Guide to Iowa Car Accidents: 7 Secrets to Not Wreck Your Case. To learn more about what our legal team will do to help you protect your Iowa injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation. Call 1-800-707-2552 to order your free accident book today. Call 1-(888) 435-9886 for immediate legal assistance.

Corey Walker
With over 20 years legal experience, Corey has been recognized for his work as an injury attorney.