Oregon car insurance companies can seem like a daunting task, especially when you're facing
a mountain of
medical bills after a
car accident. You're not alone, many people go through this as well every day.
Remember, insurance companies are for-profit businesses and just like
any other business they need to make money. If they paid out every claim
promptly, fully and fairly they'd be
out of business. If your accident insurance carrier has denied paying medical
bills related to your car accident, your first reaction may be to file
a lawsuit, but that might not be your best solution right out of the gate.
It's important to understand your rights as an
Oregon insurance policy holder. If your insurance company delays payment of your bills
it may be because your insurance company determined the medical treatment
was not medically necessary. Find out why the adjuster doesn't consider
the medical bills necessary.
Oregon insurance companies are not allowed to act alone when making such a decision. Since
your health is in question, they
must consult a medical professional when deciding whether your treatment is
medically necessary, and you are entitled to know of such a medical report.
If your insurance company is hesitant to provide you that information,
ask them how they decide what's medically necessary. Then ask your
doctor to help you. Your doctor can provide a report to the insurance
company that explains the connection between the car accident (or other
accident) the injuries you suffered, and the medical treatment that was provided.
Be an informed advocate for yourself. Many people facing
medical bills just accept what their
insurance company tells them, even if they've been unjustly denied. They're
afraid to speak up and question the insurance company because they assume
that they just can't win. Well, you can win.
Sometimes your insurance company intends to pay your medical bills but
their delay makes you think they've denied your claim. If it seems
they are taking too long to respond, be aware that your
Oregon insurance company has up to 30 days from the time they have all needed information
to pay your claim. If they need further reasonable information, it can
take longer. They are entitled to request more information from you to
evaluate the claim, so be sure to enclose all relevant paperwork with
your claim application. If you've had a
car accident and are facing a lot of
medical bills, be sure to keep all relevant information close at hand when making your
claim, including any wage loss documents, the police report if there is
one, and any witness statements. This will speed up the process.
Sometimes your own best advocacy is not enough. If your doctor is behind
you but your insurance company still ignores its obligations, it's
time to hire an experience
Portland car accident attorney.
Resources for Oregon Consumers
The Oregon Insurance Division maintains a website where you can get more
helpful information or file a complaint against an insurance agent or
your insurance company. Visit the
Oregon Insurance Division's Website.