When you see as many auto patients as we do we get asked this questions a lot. Disclaimer I’m not giving legal advice this is just what we have seen in our office. Please contact an attorney for the legal advice. When I get asked this question I tell the patient the adjuster is working for the insurance company and the attorney is working for you. It usually is in the best interest of the patient to be represented because they handle all of the medical bills and the patient just shows up for care and gets better.
Some adjusters are tough, guilt trip, call all the time, and say you aren’t covered. This is their job. It is to help save as much money for the insurance company as possible. After talking to many adjusters I do not feel they are bad people, it is just their job. Most of the adjusters I deal with in unrepresented cases are easy to deal with.
A negative on attorneys is that they take around 1/3 of the settlement. In all honesty though they help save you time and give you peace of mind, so the amount isn’t unreasonable. Most attorneys work off the principle they don’t charge the patient until the settlement. No money comes directly out of the patient’s pocket.
We work of letters of protection (LOP) in the office. This is a letter stating the attorney will pay the patients medical bill on a favorable settlement. This gives our office the peace of mind also that we have an attorney working to help get us paid for the work we are doing to get you back to your pre-accident self.
For more information on this visit our website https://peakpotentialfamilychiropractic.com/injury-chiropractic-services/ or feel free to call our office 281-719-5004 for Woodlands location and 281-719-9708 for Champion Forest.