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Automobile Insurance

Automobile insurance can be somewhat confusing for most people. Fortunately, the owner of Advanced Chiropractic Center was an auto insurance adjuster for many years before deciding to become a Chiropractor.

That’s why nobody knows more about auto insurance claims than we do.

The best way to get started would be to schedule an appointment for a free consultation. We will collect the information necessary to determine the types and amounts of coverage that apply to your situation prior to your first visit to our office. We have provided some general information about auto insurance below.

The Basics:

If you were injured in an accident, and the other driver is at fault, there are two injury related coverages that apply to you.

Med-Pay coverage:

This is a coverage that is on your own personal automobile policy, if you elected to take it. It is not a mandatory coverage in the state of California, but if you did decide to pay for this coverage as part of your insurance policy, it will cover your treatment for an auto injury regardless of who is at fault, up to the policy limit. The most common limit is $5000, but your insurance adjuster will be able to answer that specifically. If you were not at fault for the accident, your insurance company will collect the amount paid under this coverage from the at fault driver’s insurance company after they have paid your medical bills.

Bodily Injury Coverage:

This coverage is mandatory in the State of California. If you were injured in an accident, and the other driver was at fault, you will make a claim under the at-fault driver’s Bodily Injury Coverage. Keep in mind that this claim will be with the other driver’s insurance, not yours. You did not pay for this coverage. The other driver paid for this coverage to keep him or her out of financial trouble in the case that they hurt someone else, and in this case, the person they hurt is you.

This coverage does not pay your medical bills directly, so you will want to have your bills sent to your Private Health Care insurance company, or to your own personal auto insurance company if you have Med-Pay coverage (from above). If you don’t have Med-Pay on your auto policy, and you don’t have private health care insurance through your work, don’t worry, our office can help.

Once all of your medical treatment is complete, and you are ready to settle your claim, the at-fault driver’s insurance company will review the medical records and billings, and offer to settle your claim. When the insurance company makes the offer to settle, they are attempting to settle your claims for the following:

  1. Special Damages
    • Medical Bills
    • Lost Wages
  2. General Damages
    • Pain and Suffering

It is important that you understand that the settlement offer is being made in exchange for a release of all claims. Once you sign the release in exchange for your settlement check, you will no longer have any claim against the other driver. It is very important that you know what you are doing when settling your claim. You may wish to have an attorney represent you in this matter.

Other Insurance Coverage

The two coverages above are the most common that apply to an auto accident, but there are additional insurance coverages that may apply to your specific situation, such as Uninsured Motorist Bodily Injury coverage and Underinsured Motorist Bodily Injury coverage. Rest assured, our office is familiar with every type of auto insurance..

When you call our office to schedule your first appointment, we will collect the information necessary to determine the types and amounts of coverage that apply to your specific situation prior to your first visit to our office. Also remember, your initial consultation with our clinic is free.

(916) 580-3277