My question involves an injury that occurred in the state of: Maryland
My car got hit when we were stopped in traffic. The other car was going approx. 15-25 mph and rear-ended me.
My other passenger noted a neck injury immediately
I noted a neck injury within the week of the accident, and strain started roughly on the 3rd day.
I've never seen a chiropractor, but my friend went and the chiropractor said I should come for an examination.
My x-rays noted that my neck is 22mm away from its normal position.
Chiropractor creates a plan that requires 10 appointments spread throughout 4-6 weeks.
Appointment plan involves:
10 minutes in a room with heating pads on my neck
cracking my back once, and my neck twice at each visit.
Driving 20 minutes each way (40 minutes travel each visit)
Long-term risk caused by the neck injury:
I've heard that stroke risk is increased when getting back cracked by chiropractors. I'm sure there's others.
At the end of the 10 visits, there is an 80-90% chance that my neck will be back to its normal position. If not, the treatment will continue.
My injury claim was noted to the auto claims specialist of the insurance company initially. This was a week after the accident.
I called the injury claims specialist following my 2nd chiropractor visit, when the x-rays were developed and the chiropractor established his treatment plan.
The Injury Claims Specialist verbally expressed skepticism that I had been injured enough to receive 10 days of treatment with a chiropractor and offered me $400 for the inconvenience. At this point, I've already noted that the medical bills from the chiropractor are over $500. I tell him I need to wait until the recovery is complete before I can discuss that. I tell him that I'm not a doctor, and I typically wouldn't see a chiropractor after an accident, but that my friend was injured and I felt a strain in my neck that inspired me to get a professional to examine me. Due to the nature of his tone and skepticism I also decided that I will e-mail him from this point forward. He did just try to call me and leave a voicemail saying he wanted me to call him back. I'm not looking forward to that convo.
Chiropractor Billing Woman
She takes me to her office and tells me I remind her of her son and she continues to tell me that if I wait until the recovery is finished to receive compensation, that I will receive 1.5x the medical bill from the insurance claim. Then she also mentions if the injury claims specialist refuses payment, that she has an attorney that they use at their office that will handle my situation.
1) Do I have long-term risk that needs to be acknowledged with the injury claims specialist?
2) Should I seek a second chiropractor's opinion? If so, when should I do this?
3) Given that the accident was just bumper damage to my 200k mile car, I opted taking an immediate check for the car and not getting my car fixed. Does this in any way reflect how I am handling my neck injury in a different manner to the insurance company?
4) Is the billing woman at the chiropractor's office not telling me something?
If anyone has any additional comments or advice I will gladly read them.