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Auto Injury in Irving | Auto Injuries, Car Accident Injuries, Auto Accident Injury | Whiplash, Neck Pain

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Bay Chiropractic

4301 MacArthur Blvd Suite 205
Irving, TX 75038
(817) 999-0090
Auto Injury
 

Being in a car accident is a very difficult situation on a number of levels. Your pain is sometimes secondary to the aftermath of having your car at the mechanic as well as the stress of dealing with your insurance and potentially missing work.

While you are in a hurry to get your car fixed and back to normal activities, make sure to see your chiropractor before you make any major decisions. There could be underlying injuries that a minor stiff neck is not allowing you to uncover. A car accident is a major event and the trauma that comes from them could be significant.

Chiropractors are specialists in soft and hard tissue problems including the results that could come from the trauma from a car accident. Make sure you see your chiropractor to get a full examination.

 

How it really works if you are in an automobile accident

 

BCC will assist you, if you are in an accident.  We will get you well while partnering with your attorney and making sure you are treated honestly and fairly.  Dealing all the different parties involved in your case can be very complicated.  We will strive to protect your interests while you are undergoing  treatment and rehabilitation .  We will coordinate with all the interested parties involved with your rehabiliation so that you can relax and get well.

 

Personal Injury Protection (PIP)  - Don't be afraid to demand your rights (You've paid for it)

The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don't inform you about and you're entitled to.

Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. If they keep their costs down by experiencing less payout,  they will gain more profits and bonuses at the end of the year. Good for them - definitely not for you.

 

What is PIP?

PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There's no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else's car.

What will a claim do to my insurance rates and policy renewal?

 Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.

 

Why doesn't the other guy's insurance pay for my medical expenses and why should I use my insurance?

Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family's injuries caused by the accident.

PIP is used exclusively for Doctors bills and lost wages!

 
 
Irving Chiropractor. Dr. Steve Bay provides Auto Injury, Auto Injuries, Car Accident Injuries, Auto Accident Injury to patients suffering from Whiplash, Neck Pain in Grapevine, TX, Grand Prairie, TX, Dallas - Fort Worth, TX, . Grapevine, TX Chiropractor providing Auto Injury in Irving, Texas.