Auto Insurance is Giving Medical Advice

[gaspasser]

My question involves an injury that occurred in the state of: Colorado. I was in a 100% no fault accident where I was rear ended at a complete stop. My SUV had over $3000 damage to the bumper, and the poor girl's small pickup had damage to her bumper as well as blown airbags. Within 15 minutes I had very clear stiffness and discomfort to my neck that continued for months to come. My two children 1 and 2 years old were also in the car, and I can suspect their little necks hurt quite a bit too if mine did. At any rate after I had completed chiropractic therapy over several months (as did my children) I attempted to settle with the other driver's insurance (Geico). Long story short they are miserable to deal with and apparently have the worst record in the industry for paying out personal injury claims. After arguing and arguing with them that they are responsible for my medical bills (especially since they were more than reasonable) they declined and were at least a $1000 short of paying my medical bills, in addition to a complete lack of a pain and suffering portion. At any rate, I happen to be a nurse anesthetist, and thus licensed in the acute and chronic pain and at one point my adjustor started to tell ME about soft tissue injuries and how they heal in 6-9 weeks, how there are no long lasting or chronic effects sustained after soft tissue/neck injuries, and how I should have been getting chiropractic therapy at least 3 times a week in the beginning and that was the normal course of care for soft tissue injuries. I called him out immediately on his unwarranted practice of medicine for the sole purpose of fudiciary benefit. He got very quiet and tried to change the subject.
So.... I am on this forum to hopefully get as many people as possible to discuss if Geico specifically has ever given them medical advice or medical guidance as to the care they are receiving or have received in an injury claim. Geico adjustors get cash bonuses for limiting the amounts they pay out on claims so I can see if they were trying to influence me to not pursue any further compensation from them because I apparently was not injured badly enough, then I am certain they are doing it to lots and lots of people out there.

[gaspasser]

anyone have any advice??

[FullAuto]

You asked him to pay for services. He explained why he wasn't going to pay (what you expected). I don't see that as "unwarranted practice of medicine for the sole purpose of fudiciary benefit". You consider that practicing medicine (for any reason)? Really? He's telling you what is normal and why he's not going above and beyond what is considered normal. He never told you not to seek medical care. You said yourself you contacted him after services were completed. And I'm amazed someone who claims to be from the medical field would actually see a chiropractor as they are typically considered half a step above a witch doctor.

I would love to see any evidence you have Geico adjusters receive cash bonuses for limiting the amount they pay out. I find that very interesting.

[gaspasser]

Cash bonuses for adjustors is very common.... in fact the state of Colorado proposed a law in recent years that unfortunately didn't pass in the state senate regarding the issue of cash bonuses to insurances based on their claim payout. Basically, the adjustors do their best to save the company money by paying out as little as they can and thus they have a personal incentive to do so... a bonus. That is capitalism.... that is how it works.... and find it interesting if you do but you are being closed minded to accuse that I would even possibly be incorrect.
And apparently your reading comprehension isn't the best because the adjustor never stated that they weren't paying beyond what is "normal"... that was never a discussion. And I made the claim with them PRIOR to seeking medical treatment... NOT after the fact. And giving me a diagnosis, normal treatment, symptomatology and duration of care, and telling me that my injury has no long lasting implications is precisely medical advice. And that is the attempt at practicing medicine without a license in order to convince people to settle early. And when I brought that up to the adjuster.... why did I suddenly get a call the next day offering me another $1500? And if you consider paying out $1400 for $2500 medical bills and a combined vehicle loss of over $7500.... is that fair... oh no.
And a witch doctor.... honestly.... who are you? I suppose you think acupuncture is vodoo. I give anesthesia daily....conventional medicine... and believe in that. However there is a very clear place for alternative medicine and I wasn't injured to the point where I felt I needed xrays and MRIs and expensive medical work ups. The adjustments helped me tremendously and the tension and stiffness it released for each visit was very noticeable.
I think you are rather judgemental about things you obviously don't have any knowledge about.

[Mr. Knowitall]

You don't have even an inkling of a case against the adjuster. The only place he practiced medicine is in your imagination.

If you believe you have a valid case against the at-fault driver and cannot work out an acceptable settlement with that person's insurance company, your remedy is to sue the at-fault driver.

[gaspasser]

Then you don't know what constitutes the practice of medicine..... giving medical advice is the same as the practice of medicine... and unsolicited medical advice at that. I have consulted an attorney and there is in fact a case. And of course the case isn't against the adjustor, it's against the insurance company of course. The insurance companies educate the adjustors in regards to injuries. What good is this forum when people respond to things they know nothing about. I already know the tort is with the at fault driver and not the insurance... there is no tort against the insurance company until there are other liability issues.
I also didn't ask for anyone's recommendation or opinion here.... I asked if any other members have had adjustors attempt to provide medical advice or medical guidance. I didn't ask for your sarcastic opinions on where my case stands. I happen to be very well informed and educated on many of the issues I have discussed here. Again, read my original post.... It is evident the responders I have had are lacking in reading comprehension.

[FullAuto]

Cash bonuses for adjustors is very common.... in fact the state of Colorado proposed a law in recent years that unfortunately didn't pass in the state senate regarding the issue of cash bonuses to insurances based on their claim payout. Basically, the adjustors do their best to save the company money by paying out as little as they can and thus they have a personal incentive to do so... a bonus. That is capitalism.... that is how it works.... and find it interesting if you do but you are being closed minded to accuse that I would even possibly be incorrect.
And apparently your reading comprehension isn't the best because the adjustor never stated that they weren't paying beyond what is "normal"... that was never a discussion. And I made the claim with them PRIOR to seeking medical treatment... NOT after the fact. And giving me a diagnosis, normal treatment, symptomatology and duration of care, and telling me that my injury has no long lasting implications is precisely medical advice. And that is the attempt at practicing medicine without a license in order to convince people to settle early. And when I brought that up to the adjuster.... why did I suddenly get a call the next day offering me another $1500? And if you consider paying out $1400 for $2500 medical bills and a combined vehicle loss of over $7500.... is that fair... oh no.
And a witch doctor.... honestly.... who are you? I suppose you think acupuncture is vodoo. I give anesthesia daily....conventional medicine... and believe in that. However there is a very clear place for alternative medicine and I wasn't injured to the point where I felt I needed xrays and MRIs and expensive medical work ups. The adjustments helped me tremendously and the tension and stiffness it released for each visit was very noticeable.
I think you are rather judgemental about things you obviously don't have any knowledge about.

You give all the signs as an entitlement baby looking for their lottery payout. That's why you got the low offer. It's even more obvious when you work in the medical field and choose to go to a chiropractor. You should have enough connections to get a real doctor to prescribe physical therapy but you're obviously too much of a bitch for that.

And those cash bonuses are not common in the business. Stick to bogus medicine because you don't know how this business works.

[Mr. Knowitall]

The person's name is "gaspasser" - the gas being passed, it would seem, emanating from her mouth.