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Demand That All Your Medical Bills Be Paid

Demand That All Your Medical Bills Be Paid

  By Dan Baldyga
About Dan Baldyga
  Dan Baldyga has a lifetime of experience in the field of motor vehicle accidents, personal injury and compensation.
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An adjuster may try to disallow a substantial part of your total medical expenses that they contend doesn't qualify as "medical" in character. He'll often attempt to divide your medical costs into two arbitrary parts - - "diagnostic" and "treatment". In the "diagnostic" category he'll include items such as ambulance and emergency room costs, cost of X-rays, and other diagnostic procedures, plus visits to specialists. And the rest, principally costs of the hospital and regular office visits to doctors, physical therapy and medication, will be termed "treatment". The items that are categorized as "diagnostic" expenses are the bills the adjuster would like to disallow as not being "medical" types of activities.

He might try to do this because with the differentiation (between what is "diagnostic" and what is supposedly the true medical "treatment"), the basic worth of your claim shall have been drastically reduced, as the amount of your "special damages" and thus drastically reduce the true value of your claim. At that point the adjuster will argue that the "treatment" portion of your medical bills is the part that's "directly related" to the severity of your injury, therefore it's what truly reflects, or measures, your "pain and suffering".

Don't let him get away with that. Demand full inclusion of all medical bills, as well as all medically "related" bills because such a move by an adjuster can drastically reduce the worth of your claim.

If he should attempt to pull this on you tell him: "It's absurd and illogical to separate medical expenses into two arbitrary categories and designate one as 'diagnostic' and the other as 'treatment'. Each area works hand-in-hand with the other in medical practice. One cannot get properly treated without being diagnosed and on the other hand one cannot get diagnosed without being treated!"

He'll gulp, because he knows what you say is true and that will usually be the end of such nonsense on his part. Demand That All Your Medical Bills Be Paid.


DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga or Vince Ciulla make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.

Copyright (c) 2005 by Daniel G. Baldyga All Rights Reserved

Dan Baldyga's fourth and latest book Auto Accident Personal Injury Insuraece Claim: (How To Evaluate And Settle Your Loss) can be found on the Internet at This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured because of your personal injury.

Additional Information provided courtesy of and Warranty Direct
© 2000-2007 Vincent T. Ciulla

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