Question about Medical payment for rear end accident (someone hit the car I was in)?

We were rear-ended at a red light back in Feb. Police was called and a report filed. I ended up going to see a Chiropractor from Feb - May for treatment for my neck. The bill is close to $2000. The insurance of the person who hit us only wants to pay $500. What can I do? Is it going to cost me if I get a lawyer. I don't want any extra money. I just want the bill payed. I don't have the money to pay the difference (1500) Will threatening them with a lawyer get them to work work with me? I am not sure what my options are. thanks..
Additional Details
I have not paid anything. The Chiro released my file to the insurance with the amount due.

Well, it's going to depend heavily on what state you were in. If you're in a no fault state, you're stuck with whatever the medical payments limit is - which MIGHT be $500. No insurance company is going to pay more than the policy limit, and if you're no-fault, that's all they have to pay - medical payments, NOT liability.

Talk to the lawyer first. THREATENING the lawyer might make them pull that $500 offer back - they KNOW a lawyer is going to either take 30%, or more likely (if you're only looking at a $2,000 claim) not even take it in the first place.

You might have to go after them in small claims court, IF you can (thinking, no fault laws here might apply).

The second response you received is more on track and please don't listen to the first response. It is YOUR RESPONSIBILITY to demand payment for injury. If you are just asking the other insurance company, this would explain why they offered you $500. Don't ask, demand payment with proper documentation. I suspect it wouldn't be a problem if you had documentation from your primary physician or any physician to go to the chiropractor. Please document your payments to the chiropractor by making copies of the checks. If you haven't made any payments, send the chiropractor's bill along with the other documentation. Now, send a certified letter immediately. Firmly tell the chiropractors office to document your injuries in a letter to the insurance company and keep copies of everything. If your chiropractors office does not do this for you, it would be an indication they took advantage of you and treated you upon your request, and not out of medical necessity. If you have valid injuries, they are easily documented, so send it certified to the insurance company. Ask for the insurance agent's superior and send a copy to their superior. If they tell you they don't have a superior, talk to anyone else in the company and get someone elses name. But, do not, instead, go to friends and co workers and ask them to pay out of pocket to sponsor your doctor's bills like the first person said. It is your responsibility to follow thru with actions that are required for you to be reimbursed. Your case will be easy to document if you had a primary care physician that recommended a chiropractor. Some chiropractors are still considered "not medically necessary". You should have a referral from a medical physician to go to a chiropractor. I'm sure you didn't just go to the chiropractor first. I'm sure you had a medical doctor check you out for injuries and once the doctor ruled out internal injuries and broken bones, you were sent to the chiropractor for any pains not caused by a life-threatening injury. If you have the documentation, this will not be an issue anymore. I suspect a lawyer would add on mileage to and from the doctor, any medication, and the good old pain and suffering. Just tell the insurance company you will contact a lawyer to add all these additional costs and inconveniences. Of course a lawyer will be happy to get involved because he just won't go there and ask for the $1500 if you can document this expense. He'll ask for more and insurance companies know that. Let the insurance company know you know that, IF YOU HAVE THE DOCUMENTATION to prove real injury. I am very symphathetic to actual injuries, but not if someone is ripping off the insurance company. I'm sure they are assuming you are ripping them off if they haven't received anything from you but phone calls. Send them documentation that shows the medical necessity.

First, has your chiroprator been dealing with them or have you been making payments. They may need more documentation if you have been making payments. Many chiropr. know how to deal with insurance companies and they do it well. Talk to your chiropr office.

Next, write them a letter and send it certified. Include in the letter that they are not offering a reasonable settlement. Get a write-up from the chiropractor and include it in the letter. It needs to outline your injuries. State the exact dollar amount that you will need to cover your out of pocket expenses (if app).

You may need a lawyer but you can try to stand firm against them and refuse to settle for less. If after a few goes with them you do not believe you are getting anywhere, explain that it is time for you to obtain an attorney. As soon as you have one you will let them know who to contact in the future. You may have difficulties finding an attorney since the settlement you are looking for is so small.

Sorry. Good luck.

Since the auto has already paid (if you have medical insurance) ask the chiropractor to file your claims to your medical plan. They'll pay what's left over, if you have benefits available for chiro.

Sounds like the insurer want to settle for small $$, perhaps under the insured's med pay coverage.

If they're at fault, you should be able to get coverage from the insured party's liability coverage which should be enough to cover your bill. Call the insurance adjustor for the car that hit you. Get them copies of the bills and ask them (nicely) to pay what you consider reasonable medical fees. If you get no satisfaction from this, contact a local attorney; they'll usually work on a contingency basis.

Get people or company's to sponser you. Thats just it. Tell companys you know of tell them to sponser you. don't go to LAWYERS or any of that. IT JUST MAKES people HATE you more. which isn't good. and try to collect money from people you know of.

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