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Search results for “treatment gap”

20 results

Undocumented after a Phoenix semi crash? That treatment gap can wreck the claim

A Phoenix mechanic got hit by a drifting semi, paused medical care out of fear, and now the trucking company is using both the treatment gap and the "off the clock" excuse to slash the claim.

ARTICLE by Rick Dallman

Second rear-end in Tucson, and the city truck insurer says surgery can wait

A Tucson caretaker hit from behind by a city-owned truck is getting pushed toward a cheap settlement while trying to decide whether delaying surgery will wreck the claim.

ARTICLE by Brenda Yazzie

Evaluating a Phoenix Hit-and-Run UM Settlement During Pregnancy

If the driver disappeared or had basically no insurance, the number on the table usually has more to do with your own UM coverage limits than what your pregnancy scare, ER visit, and follow-up fetal monitoring are actually worth.

ARTICLE by Kevin Sharpe

Still wrecked months after a Mesa parking lot hit? That early payout can cost you everything

A Mesa bartender gets clipped in a parking lot, shrugs it off, then the symptoms blow up later while the insurer tries to buy the claim cheap before treatment is even done.

ARTICLE by Miguel Renteria

i can't afford a lawyer after a Flagstaff city truck hit me - am i just stuck with this claim mess?

A crash with a city-owned truck in Flagstaff is not a normal insurance claim, and the deadline that matters comes fast.

ARTICLE by Patricia Begay

nominal damages

Failing to recognize this issue can lead someone to abandon a valid claim simply because the measurable financial harm is small or hard to prove. Nominal damages are a very...

Missed the first few weeks after a Scottsdale truck crash? The data may be vanishing

A work driver in Scottsdale can still have a case after a wide-turn box truck crash, but the black box evidence may disappear long before Arizona's lawsuit deadline.

ARTICLE by Sandra Ochoa

arthroscopic surgery

People often mix this up with open surgery. Arthroscopic surgery uses a tiny camera and small instruments passed through small cuts to look inside and repair a joint, usually a...

Still hurting a year after my Glendale truck crash can I get another doctor?

Yes - and if you assume the insurance doctor's opinion is final, your claim can get closed while your pain is treated as "resolved." What should have happened early on: after a...

step-down provision

Why is the insurance company saying there is coverage, but not as much as you thought? A step-down provision is a policy clause that reduces the amount of insurance available...

The part that trips people up most is that a laminectomy is not a diagnosis - it is a surgery. It removes part or all of the lamina, the bony section at the back of a vertebra,...

umbrella policy

Why does the other driver's insurance suddenly have "more coverage" after everyone said the policy limits were too low? An umbrella policy is extra liability insurance that...

special damages

Not the same as a pain-and-suffering payout, and not a bonus number a lawyer pulls out of the air. These are the specific, measurable financial losses tied to an injury or...

Tempe insurer says the lawyer was "just commuting" - that may not kill your crosswalk claim

A driver hit her in a Tempe crosswalk, then a commercial insurer claimed the attorney was only commuting and outside coverage.

ARTICLE by Yolanda Figueroa

My boss says light duty or no paycheck after that rear-end crash

A Phoenix plumber got rear-ended by a tailgating pickup on a two-lane road, and now the real fight is over a bogus light-duty job his doctor says he cannot do.

ARTICLE by Carlos Murrieta

chronic pain syndrome

People often confuse chronic pain syndrome with ordinary chronic pain. Chronic pain generally means pain that lasts longer than expected healing time, often for months. Chronic...

The police report says I caused the hit-and-run, and now everything's upside down

A bad Phoenix crash report can wreck a hit-and-run claim fast, but it is not the final word if you move early and pin down the evidence.

ARTICLE by Brenda Yazzie

Insurance adjusters and defense lawyers sometimes lean on the difference between these scans to question how serious an injury is. A fast CT at the ER with "no acute findings"...

No cash for a lawyer after a Flagstaff garage crash? You still may not be stuck in arbitration

A Flagstaff home health aide hit head-on by a wrong-way driver in a parking garage may still have claims outside arbitration, and not having cash up front does not automatically shut the case down.

ARTICLE by Yolanda Figueroa

How much is a Phoenix dump truck rear-end case worth?

A rear-end crash with a loaded dump truck can be a six-figure case in Phoenix, but the insurer will slash the value fast if its IME doctor gets away with calling your MRI meaningless.

ARTICLE by Tom Purcell