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Alfred Said:

When you have a settlement with a insurance agency, do you get 3 times the money of your medical bils?

We Answered:

OK, the settlement is whatever you agree it is. You both agree, then you can "settle". Pain and suffering might be where you heard the 3x number, but frankly, it depends on A LOT of things. If you have no-fault insurance, or limited tort, you won't get ANY pain and suffering. Even if you do, it's going to depend on what kind of injury, and how serious it is. Frankly, if you're at $2800, that's not much. If it's all soft tissue injury, well, that's not much. If $1,000 of it is emergency room plus xrays, and the rest is chiropracter for sore back . . .you're not going to get 3x for pain and sufferring.

Plus, your lawyer is probably going to take about 40% of whatever you get, so if you get 1x pain and suffering, you're basically just getting medical bills, and the lawyer gets the rest.

Don't worry, since you have a lawyer, they'll milk it for all they can - just don't expect to get a check for $9,000, because you'll be lucky to get $4,000.

Sergio Said:

what government agency handles complaints about medical insurance companies?

We Answered:

Your state insurance commissioner

Clinton Said:

sending medical bills to insurance agency question?

We Answered:

First of all, don't send them to your agent, send them to the claims department. Keep in contact with your adjuster and let him/her know that more bills are coming. They will pay all the bills up to your policy limits. Even if they think they have received the last one, and then they get another, they will still pay it, as long as you haven't reached your policy limits for medical coverage.