Maximizing Auto Insurance Medical Claims


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Auto insurance medical claims are easily proved, but are still sometimes disputed by insurance companies. The below steps may assist you in maximizing the amount of compensation you receive for your medical bills.

Collect Every Receipt, No Matter How Small

The key to obtaining the most compensation for your medical bills is to prove them through receipts and medical records. Keep a copy of every physician visit, bill, pharmacy purchase and other expenses related to your diagnosis or treatment. Being able to substantiate your request with documentation will make it more likely that you will receive all of the funds you seek.

When you file your claim, attach copies of your documents. Remember to keep a copy for yourself for future use. Providing evidence of your expenses will make it more likely that the insurance company will grant your request.

Itemize Your Request

If you have a large number of receipts and physician records that amount to a rather substantial medical bill compensation claim, itemize your claim. This may be required on the form you must complete to submit your claim, but if not you can attach a sheet of paper breaking down your request. The more effort you put into explaining the reasoning for your request, the more amenable an insurance company will be in paying your requested amount.

Continue Treatment If Necessary

If you are still plagued by your injury, do not stop treatment after filing your claim. Discontinuing treatment may create the feeling that your injury was not as bad as claimed and therefore does not require the amount of compensation you requested. Unless you have fully recovered, indicate in your claim that you are still undergoing treatment and are requesting money for future medical bills.

Provide Examples of Other Cases

One of the best ways to maximize the amount of compensation for your medical claims is to provide evidence of prior settlements or case law demonstrating how much money is commonly awarded for your type of accident and injuries. Unfortunately, this is difficult to do if you are not an attorney, but you may be able to find assistance in your local law library.

Getting Legal Advice

If you have incurred medical expenses suffering from an auto accident injury, obtain legal representation. An attorney will review with you the best ways to maximize the amount of compensation you receive from your claim.

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