Reply #27: You need to read your car insurance. [View All]

[SheilaT]

Many plans include emergency room treatment right off the top, with some kind of cap (mine is at $27,500). And if you refuse transport to the ER and are so bad off that you seek out care later on, your insurance will try very hard not to cover anything, because after all, you refused transport at the time of the accident.

My advice to you is KNOW WHAT YOUR CAR INSURANCE COVERS. Pay for as much coverage as you possibly can.

I'm currently a paralegal working for an attorney who does personal injury work, and we keep on having to turn down clients who didn't go to the hospital for fear of a huge bill, and later on had continued problems from the injury and now they're pretty much S.O.L.

So, read your insurance policy. If you don't make sense of it, talk to your insurance agent and have him/her send you a copy. Read it carefully.