Claim steps
After a car crash: the steps, in order
What to bring, what we bill and what your insurer decides.
Michigan's no-fault rules mean your own auto insurer is the first place a claim goes, whoever caused the crash. Which care it pays for, and how much, is the insurer's decision, and it can change from claim to claim. Here is what we do and what we leave to you.
We are a clinic, not a claims service. We don't promise a result from your claim, and we don't tell you what to say to an insurer.
Before you come
What to bring to the first visit
About the crash
So we know what happened and when.
The date of the crash
What your doctor or urgent care told you
About your claim
So we know where to send bills.
Your claim number
The adjuster's name and phone
The name of your auto policy holder
About you
So the visit starts on time.
A photo ID
A list of the medicines you take
Loose clothes you can roll up at the knee and elbow
Your questions
We'd rather answer them at the start.
Who is paying for visits
Whether the insurer wants notes from us
What a written estimate would include
Three roles
Who does what
What the practice does
Treats you, writes visit notes, sends itemized bills to whoever is paying and answers the insurer's requests for records.
What the insurer decides
Whether acupuncture is covered on your claim, how much is payable and whether it wants another opinion.
What stays with you
Choosing a claim representative or an attorney, what you tell your insurer and whether to keep coming.
Questions about claims
Do I need a claim before I book?
No. If your claim isn't open yet, or you don't know who your adjuster is, call us. We can book you and tell you what to bring to a later visit.
How many visits will the insurer pay for?
We can't say. That is the insurer's decision. We write a plan with you, and we tell you how many visits we suggest, without a promise about what will be paid.
What do you send the insurer?
Itemized bills, and our visit notes if the insurer asks for them. We don't send anything about your claim that you haven't told us to send.
Can I switch to paying myself?
Yes, at any visit. We give you a written estimate first, and a receipt after each visit.
Will you talk to my attorney?
If you ask us to, we'll send your records to your attorney's office. You tell us who to send them to.
Do you see people who weren't hurt in a car crash?
Yes. Many of our patients come in for other reasons. Ask the front desk and we'll tell you what to expect.
Ready to book your first visit?
Call the front desk, or send a message. We'll tell you what to bring and what to ask your insurer.