If you are a victim of an accident one of the most frustrating things is how long it takes to unquestionably get to a fair settlement. Guarnatee fellowships tend to delay cases in an endeavor to wear the victims down and conclude the case for less. I have listed a two of the most tasteless delays for the consumer/accident victim to be aware of.
The Guarnatee company Drags Their Feet in Accepting Liability for the Accident
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This can and does happen all of the time. Your phone call isn't returned. Your Fax is lost. Nothing can happen in reference to you getting compensated by the at-fault party's Guarnatee company until they accept liability.
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Your car will not get repaired. You will not get a rental car. You will not be compensated for your pain and suffering.
Sometimes the adjuster will tell you they can't get in touch with their driver to acquire a statement. Other times they will have to wait for the accident report. They will have to speak with a key witness. Or maybe the car will have to be appraised and pictures taken. It is always something. Why? It is only a few thousand dollars that they owe you. Well time is money. The longer the Guarnatee company holds onto your money the longer they can acquire interest. You might think that interest for a few weeks on a few thousand dollars is not that much. And you would be right if you were the only someone that these delay tactics were being used on, but there are thousands and thousands of claims over the country. That is a lot of interest and therefore a lot of extra money in the profit column of the Guarnatee company.
Your Own Guarnatee company Denies repayment of Your curative Bills
Unfortunately this is becoming more and more common. You have paid for the Guarnatee coverage and purchased Pip benefits. Yet your own Guarnatee company may still deny cost of your curative bills. This commonly happens when your rehabilitation consists of exclusively chiropractic care. If your Guarnatee company believes that you unquestionably weren't injured in the accident and you don't need any rehabilitation they sometimes will try to get your physician to accept a reduced cost on their bill.
Other times they will deny cost out right and ask that your records be reviewed by a peer characterize doctor. A peer characterize physician is a physician that the Guarnatee company hires to characterize your records to see if the rehabilitation given by your physician conforms to Kentucky standards. The narrative from this doctor, who is a hired gun, is commonly that you should have been recovered after 10 or 12 visits and any rehabilitation given after that time is excessive and should not be paid. I think you can see what is going on.
Other times there is a ask for an Independent curative Exam (Ime) where the Guarnatee company hires a physician to contemplate you to give an plan as to whether additional rehabilitation is necessary. The result is the same as the above. Both of these procedures are authorized under the Kentucky No-Fault Statute. The exams are unquestionably not independent. In my plan the "I" stands for insurance.
If cost is denied you are responsible for paying your doctor. Your only option that I am aware of is to sue your own Guarnatee company. This process can take some years. If you are successful your curative bills will be paid.
It is my hope that once you are aware of these attempts to delay the develop you will be great armed to fight for your case and receive a fair settlement.
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