Insurance: Minor, but persistant back injury after auto accident?
September 7, 2006 9:42 PM Subscribe
Auto Insurance: I was rear-ended in a 3-car accident about a month ago at slow (<15 mph) speed. My back has been hurting...how do I handle this with the liable insurance company?
posted by sdis to work & money (8 answers total)
First the facts:
Accident details: Car #1 = Me. Driving in traffic, when traffic stops. Car #3 doesnt stop, hitting Car #2, which hits Car #1. Elderly lady in Car #2 taken to hospital due to chest pains.
Insurance details: Car #3 has taken full responsibility (State Farm Insurance), and is paying off my deductable and rental car while my car's in the shop.
Medical details: Neck was a bit stiff after the accident. Went to doctor the next day complaining of stiff neck and some back pain. She checked me out and said it may get worse over the next week or so. It did indeed, then it got somewhat better, but I'm still getting back pain (sometimes lower back, sometimes upper back), particularly when sitting for a long period of time (like on car trips). This is abnormal.
Followup insurance details: Speaking with the State Farm rep, he's indicated that they are not willing to pay off any settlements, and if I want any money for my injury, I would have to go get treated, release my medical file to them, and they will determine whether they wish to reimburse me.
State Farm's "go spend money, and maybe we'll pay you back" is not the most reassuring thing I've ever heard. What do I do at this point? If possible, I would rather go to a private doctor than my doctor at Kaiser. From an insurance standpoint, is a chiropractor a doctor? Seems like there's not very much hard diagnostic stuff to do about back muscle pains.
I feel somewhat uncomfortable bitching and moaning about nondescript back muscle pain that isn't there all the time, but the fact of the matter is that I didn't have this before the accident, and it hasn't gone away after almost a month. Where is the ethical line between what's reasonable and what's trying to screw the insurance company?
Anyone been in this position and have some advice?