If your car is totaled and you get the full payment of what the vehicle is worth from the insurance company, sometimes that might not be enough to pay your vehicle off. Even after they’ve paid the value of your car, you still owe $2,000 to your lender. Gap insurance bridges that gap, and it pays the rest of the loan off. That helps people tremendously because it gets them out of the loan and gets a fresh start. So, if you have gap insurance, it’s often going to significantly help your property damage claim.
We help with those claims as well. We don’t charge anything extra if we take your case and use your gap insurance. Sometimes it can be complicated to navigate that process, and we have plenty of experience helping people through it.
Should I Cancel Any Extra Warranties On A Refund For A Totaled Car?
If your car is totaled and you paid for some extended service protection package at the dealership when you bought it, you should cancel those services. Usually, those are a couple of thousand dollars, and if your car is totaled, you don’t need it anymore. You can generally get a prorated refund, and you usually have to go to the dealer or your lender to cancel it. But it can often result in quite a bit of extra money coming back to you to help you through your property damage claim.
Should I Go Back To The Hospital After The Initial Treatment If I Am Still Hurting?
It depends on the situation whether a client should go back to the doctor if they are still in pain. If you are in excruciating pain or have problems breathing, you should seek emergency medical attention, but we encourage you to start a plan with a healthcare provider you trust. The emergency room is expensive, and it’s a long wait, so if you are not in an emergency, it’s good to seek treatment somewhere that’s not just going to put a band-aid on it and send you down the line. Again, we are not medical providers, but from an injury claim standpoint, you want to get better. Our goal is to make sure that you are better at the end of your case and that you’ve got money to pay for it. We would prefer that people get into a treatment plan, and that way, they are working towards a resolution of their injuries, not just managing by crisis.
Another benefit is that you document your injuries, restrictions, limitations, pain scale, and how it is getting better and progressing if you get treatment. If you go to the emergency room, they are just making sure you don’t have any broken bones, bleeding or have any life threatening injuries.
What Are Some Of The Alternatives To Going Into The Emergency Room?
Alternatives to the emergency room are urgent care, a walk-in clinic, or your family doctor. They can check you and refer you anywhere they deem appropriate; if you need to go to the ER, they’ll refer you there. Still, they can also make a referral that’s just a more conservative and longer-term care manager like a chiropractor, physical therapist, or an orthopedic doctor. There are various places where you can get better after an injury and have it documented to present your claim in the most favorable light.
How Does An Injured Party Pay For The Follow-Up Treatment?
Many doctors and health care providers, especially chiropractors and physical therapists, will see you on a lien, which means they’ll hold your bill until the end of the case and get paid out of your third-party settlement. They will also accept your medical payments coverage; some will take your health insurance. If you have any questions about how you will pay their bill, talk to them about it. Many of them regularly work with current patients and clients and know what needs to be done to properly document a car wreck claim and make sure that they get their bills paid.
For more information on Using Gap Insurance After A Car Accident, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (479) 337-7077 today.