(This is not intended as legal advice. It is not provided by an attorney but is a summary of common rights as encountered in our practice and my answer basic questions. Please consult an attorney for a comprehensive view of your legal rights. This information is copied from other sources.)
Every driver in the state of Pennsylvania must carry insurance. And every insurance policy provides medical coverage for anyone who has been injured as a result of an auto accident. This coverage is called med-pay. Another term for med-pay is personal injury protection (or “PIP”). The minimum coverage that Pennsylvania drivers must carry (by law) is $5,000.00 of med-pay. That means that the first $5,000.00 of your medical bills will be covered by your automotive insurance. Also, in 99.9% of the cases, there is no deductible and no co-pays. That means you can get the care you need and without any out-of-pocket costs whatsoever. Pennsylvania is also a “no-fault” state. That means it doesn’t matter who was at fault. You are still protected and are entitled to receive treatment that is paid for by your auto insurance.
Auto accidents and your rights
Can My Insurance Rates Go Up If I Use My Med-Pay?
By law, your insurance company may not raise your insurance rates (premiums) because you used your medical coverage. It doesn’t matter who’s at fault of the accident. You have a right to use this medical coverage.
Instead using pain pills to numb your body there is a better choice. It is chiropractic care and rehabilitation. Not all chiropractors do the same thing. So it’s important to choose one who has the training and equipment to treat auto accident injuries. At Mahler Family Chiropractic Center, we use a unique approach to treating car accident injuries. Our methods are effective and we can often get you out of pain, restoring range of motion, improving posture, and correcting misalignment. Many of our patients have tried numerous approaches to manage their pain and symptoms including seeing their medical doctor, various therapists and even other chiropractors. Our methods are different and they work. We use a combination of conservative chiropractic care, which is drug free and surgery free, along with laser therapies and muscle and ligament rehabilitation. We treat each case individually and work with you to develop a chiropractic and home care plan that works.
We’re located in Wilkes Barre area Give us a call or visit us at our facility.
An car accident occurs every 2-3 seconds and people who have been involved in a collision will suffer some degree of trauma. An 8 mile per hour collision enough to damage a steel bumper, so imagine the damage it can do to the delicate ligaments in your neck. An 8 miles per hour crash can cause damage and pain to your spine. Now imagine what happens at 35, 45 or even 55 miles per hour! It is important to get your spine check following a motor vehicle accident (MVA) because the underlying trauma may cause symptoms week or even years later.
Too often people don’t seek treatment following a car accident because they don’t feel they are hurt but, the most common injury to the neck is whiplash. Whiplash is caused when the head suddenly accelerates then decelerates. The head may move backward, forward, or sideways or any combination of the three and that result in the damage to muscles, ligaments and other connective tissues in the neck and upper back.
Because symptoms of a whiplash injury can take weeks or months to manifest, it is easy to thinking that you are not injured. Therefore, whiplash injuries need to be taken very seriously and checked immediately. The sooner these injures are detected the more likely you are to make a complete recovery.Unfortunately, by the time more serious complications develop, the damage from the injury may have become permanent. Scientific studies have shown that years after a whiplash injury approximately 50% of them state that they still suffer with symptoms from their injuries. If you have been in a motor vehicle or any other kind of accident, don’t assume that you escaped injury if you are not currently in pain.