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tubbyneko OP t1_ixocqnz wrote

Reply to comment by Aware_Pool5073 in involved in a car accident, not sure whether to seek medical treatment? by tubbyneko

how short is the time period? because i’m thinking of going tomorrow, i just really don’t want to ruin the rest of the day even more then it already is. i was in my boyfriends car as a passenger so i guess it goes through his auto insurance? idk how any of this work tbh

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MohnJaddenPowers t1_ixoi5xi wrote

Stop posting on reddit and go now. Don't fuck around with timing on this so the insurance can later deny your claims for ANY reason. Go to the ER, bring a book.

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thirtythr33 t1_ixokkmb wrote

you have an injury and need to make sure it’s not severe. it took some time for the swelling to begin and the pain to start, but that’s fairly normal. if you go tonight they can check you out and take steps that will make you more comfortable and reduce the chance of lasting damage.

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doubtfulisland t1_ixormr0 wrote

Also do not talk to the insurance company call a lawyer. Wait until at least a year to settle. Got to physical therapy if need be for as long as you need. Don't be shy you are the only one that will advocate for you when it comes to your medical well-being. Our bodies are wild and sometimes things settle in weird places or take time to heal or become the new normal. The lawyers won't take any money unless they win.

Sources of experience. I experienced getting cut out of a car in 2017. My now wife is a primary care provider. No one advocates for patients in your own self interest except patients.

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sugarmonkeywife t1_ixov12f wrote

You have time. But if something is happening seek treatment. As long as she has insurance eventually it will be covered through hers once you’ve completed treatment. If he hasn’t already, file the claim online. He has personal injury protection on his policy but it gets more involved from there. Long story short the billing isn’t quick so seek treatment now and don’t sweat it.

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SD-777 t1_ixq115z wrote

Yes it goes through his auto insurance unless you have insurance in your name, if you have your own insurance then that would cover you even if you weren't in your own car. If you were not officially on his policy it would go through as host insurance meaning you have $250k of medical benefits from his policy. If you are officially on the policy then the medical benefits would be whatever the policy states, which has a minimum of $15k. Either way you are fully covered and should go straight away to the ER and let them decide what treatment/studies you need.

Also report the accident to your boyfriend's policy so you have a claim number and can get the process started. The insurance will cover you for any subsequent needed medical care, therapy, studies, and even medications.

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