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Keep in mind we weren’t exactly walking in there empty handed. We had all of the information we needed. The other drivers name. Her insurance companies information. The name and direct phone number of the agent with her company handling the claim. Our insurance companies information. The name of the lawyer we’d hired that my legal insurance (employer provided) paid for plus our own employer provided health care. Neither of us were able to work and our savings was quickly dwindling as we used it to pay our monthly bills. We were looking at shut off notices and a late mortgage within 6 weeks.
They wanted 350 dollars up front to see my husband as well as a possible 2000 dollar MRI that would have to be paid for out of pocket before they would even let him sit in an exam room. We couldn’t get money from the other drivers insurance company until we could show them medical bills and treatments. Beyond frustration my husband the a very loud fit in the dr’s office. Loud enough that the Dr heard it and came into the waiting room to chew him out in front of a room full of customers.
A very kind old man in the lobby who was limping himself got up and got between them and explained to the Dr. what he had overheard. The Dr apologized and led him to a waiting room. The whole thing eventually worked itself out. We got back to work and the insurance company settled but the experience will haunt me to this day.
Your health insurance should not be allowed to “not” cover injuries resulting from an accident. The hoops we had to jump through were a load of crap! What exactly is a person, injured and unable to work in an accident that wasn’t there fault supposed to do if they can’t get treatment! Lay down and hope to die quickly?