What is the best way to handle an insurance claim?

Question

there were extensive doctor bills and it was the other guys fault. the insurance company wants me to finish treatment with my doctor but I just want to settle now is this smart...what to do???

Answer 1

In general,

If you settle now - the insurance company can only consider

medical bills to date.

If you wait until you have completed treatment - then the insurance company will consider all medical bills.

In short, you will probably get more money if you wait. But, if you are willing to take a lesser amount - collect your medical bills/records and send them into the adjuster and let the adjuster know that you'd like to settle.

** not legal advice **

Answer 2

Discuss your  Drs  plan  and  why he  feels  it is  neccesary.  Once you sign off  you may not  have  any more  coverage  for  any thing  else needed. and  will have to pay  for it  yourself.   *mamatx

Answer 3

Wait till you are complete back to your preloss condition.  I know that it is overwhelming, but once you settle the insurance company may be off the hook.  Make certain you are ready for that.  You know what you need to do and you will do it.  Good Luck