CAR ACCIDENT INSURANCE STOPPED PAYING MEDICAL BILLS – WHAT IS ARBITRATION?
If you have been injured in a car accident in Minnesota, your automobile insurance must pay your initial medical bills and a portion of your lost wages, even if the accident was not your fault. This is called MN No-Fault Insurance. The minimum amount of car accident insurance for medical bills is $20,000. However, your auto insurer only has to pay medical bills that are related to the accident. One of the issues that our car accident lawyers are frequently involved with is when the insurance company stops paying the medical bills – either claiming that our client’s medical treatment was not from the car accident but was a preexisting condition, or that they are no longer hurt. Obamacare may have eliminated pre-existing conditions for health insurance, but it is definitely an ongoing issue when it comes to auto insurance.
Some car insurance companies are more aggressive about this than others. Every car accident attorney will see some of their auto accident clients sent to an independent medical examination eventually. These examinations are done by an insurance company doctor and usually result in a doctor opinion that the injured person is either has a preexisting condition, or was not really injured in the accident, or the injury was temporary and the person has recovered and doesn’t need any more treatment. When this happens, the injured person’s lawyer can start a No-Fault arbitration process if the unpaid medical bills and lost wages are still under $10,000, or a district court action if the bills are over $10,000.
Our car crash lawyers handle many no fault arbitrations throughout Minnesota every year. The arbitration is a relatively simple process and allows a more neutral third person to determine if the insurance company was justified to stop paying your medical bills after the accident. If the insurance company loses, they have to pay the bills, plus 15% interest.
If you have been injured in a car accident and the auto insurance company has stopped paying your medical bills or lost wages after an independent medical examination by the insurance company doctor, please call our office and speak to an attorney for a free consultation. Our car accident lawyers have more than 25 years’ experience helping hundreds of people who have been injured in crashes throughout MN. You can meet with one of our lawyers at our office, or an auto accident lawyer will meet with you at your home. We will advise you of your rights and help you get the best possible result in your case. We only charge a percentage of the compensation you receive, so if you are not compensated, we do not send you a bill.