Personal Injury Protection Part II | Bellevue WA Chiropractor

Personal Injury Protection Bellevue Chiropractor

Personal Injury Protection Part II  | Bellevue WA Chiropractor

I went to a mini seminar provided by Graham Lundberg & Peschel law firm yesterday. Here I would like to share how to file your personal injury protection coverage application properly.

Firstly, you should report the accident to your insurance company or the driver's insurance company. You need to report the basics of the incident such as how the accident happened, and where you were injured such as neck pain or back pain. If there are questions you are not sure or do not know, just say "you do not know".

Secondly, you will receive a PIP application in the mail from the car insurance company within 10 business days. This package contains important information. Please do not throw them away as if they are junk mail. You should read the PIP application coverage thoroughly, fill out the forms and mail them back to the car insurance company. If you have questions or concerns about how to fill out the application you should seek legal advice from an attorney.

Lastly you should seek medical or chiropractic care at a timely manner to ensure proper recovery from your injuries. Studies have shown that chronic or permanent injuries occur if treatment is delayed. You can find out more about car accident care on our website. And we are just a phone call away at 425-818-0086! Happy Father's day weekend!   

 
Active Spines Chiropractic in Bellevue WA Keeps Your Spine Active and Pain Free! You can contact Dr. Shao-Hao Cheng at 425-818-0086 or info@activespines.com 

What is Personal Injury Protection | Bellevue WA Chiropractor

Car Accident Injury and Personal Injury Protection

What is Personal Injury Protection  | Bellevue WA Chiropractor

Personal Injury Protection (PIP) coverage explained from Washington State Office of Insurance Commissioner. Personal injury protection is coverage under your auto insurance policy that will pay your medical bills, wage loss, loss of services and funeral expenses. PIP applies no matter who is at fault. But there are some situations when it does not apply. Please see the Insurance Commissioner website for detail.

I highly recommend you to add PIP coverage in your auto insurance policy if you do not have it yet. The cost of PIP coverage varies with each company. Usually it is pretty affordable. The basic coverage is $10,000.00 and the higher coverage is $25,000.00. It is good up to 3 years after you open your claim. With PIP coverage it is easier for you to get immediate medical or chiropractic care after your car accident because you do not have to pay out of pocket. It also covers wage loss if you miss work due to pain.

If you are in an accident you should open a PIP claim right away, it does not matter if you are at fault or not. If someone hit you, you should open a PIP claim with your insurance company, even though it is not your fault. If you hit someone you can open a PIP claim as well for chiropractic/medical treatment. Opening a PIP claim will not increase your insurance premium.

All you need to do is call your insurance company and they will open the claim for you. Just simply provide your chiropractor or medical doctor your claim number, insurance phone number, police report if you have, and any supporting document you have when you schedule the appointment. For more information about Auto Insurance you can check out Washington State Office of Insurance Commissioner website or call them at 1-800-562-6900. Last you can find out more about chiropractic care for car accident injuries here, or just call 425-818-0086 and we can help you :)


Active Spines Chiropractic in Bellevue WA Keeps Your Spine Active and Pain Free! You can contact Dr. Shao-Hao Cheng at 425-818-0086 or info@activespines.com 

Auto Collision Related Spine Injuries 2012 Part I

Hi everyone~ I went to a seminar about Auto Collision Related Spine Injuries 2012 by Dr. Dan Dock, DC on Thursday, Feb 9, 2012. Here I will share some of the information that I learned from the seminar. As far as record keeping is concerned. Dr. Dock recommends hand writing notes. It has to be readable by other people as well. He also focused on incorporating an exercise program for patients to do in the office for their neck and/or back injuries.

There are ways to show the treatment is reasonable and necessary. Such as how patients activity of daily living have improved since getting care. Please be specific such as on the right or left, and which body part. And if their pain level have changed. You can use none, minimal, mild, moderate or severe to rate pain level besides using 0 to 10 scale. Mechanism of injury is the key to find out injury and to see clinical correlation. Where was the car hit? Where was the head turn? Was the foot on the break? Were arm on the steering wheel? If hit from behind, patient's body go backwards then forwards. If patient could not recall his position mostly he has light concussion, or short term amnesia. If the amnesia last for more than 2 to 4 hours, patient needs a CT scan. There might be intercranial bleeding.

If patient has gradual onset of pain following the accident. Most likely because the endorphin is slowly wearing out after the accident. If patient did not come for treatment, ask why. Is it because work, job, family or no health insurance? Look for muscle spasm and rate the level. Check for Active range of motion and passive range of motion once a month. Decreased cervical extension could be pedicle or facet fracture. Asymmetrical loss of motion could mean injury to the facet and disc. Look for sharp angulation, sharp reverse curve in cervical flexion and extension x-ray. This could mean damage to the capsule ligament, facet joint, interspinous ligament, and supraspinous ligament. If there is breakage in George's line there might be torn disc or fracture.

MRI for patient if there is distinct nerve root pattern, intense pain, something new and different, or patient is getting worse with treatment. Consider pre and post x-ray if the condition is unstable.

Care plan: update frequency of care, duration of care, exercise program, physical limitation and referrals for second opinion. Supportive care means patient's condition deteriorates without care. Maintenance care: no change in subjective and objective findings without care.

Active Spines Chiropractic Keeps Your Spine Active and Pain Free! You can contact Dr. Shao-Hao Cheng at 425-818-0086 or info@activespines.com

Lawyers that we work with in Bellevue

After a car accident besides chiropractic care, you also need a good lawyer to take care of the legal part for you. Here are a list of lawyer that we recommend.

Hardwick and Pendergast http://www.hardwickpendergast.com/

Herman Law http://www.herman-law.com/

Law Offices of Dennis Lam http://www.dennislam.com/

The Jones Firm http://www.bellevuetrialattorney.com/