Do you need to seek out chiropractic care following an auto accident? My answer is a resounding “yes!” Why is it so important? Why can’t you just rest and take the medications that were prescribed by your medical doctor? Is the insurance company going to give you a hard time about it?
The reason why chiropractic care is so important after an accident has little to do with you being in pain (although it’s good for that too). A vertebra that moves out of its normal alignment can wreak havoc on your neck and its associated nerves. You may not be in a lot of pain immediately following the accident, but research indicates that most people will experience a bulk of their symptoms after a few days.
Once you start to feel symptoms, this is a good indicator that something has moved out of place, and likely that you’re experiencing a sprain/strain kind of injury. Sprain and strain don’t sound horrible, but really they are describing tears of various tissues in your body. The severity of the tear will indicate the type of treatment you should probably consider first. The chiropractor can help make the determination.
Eventually, your body will heal with scar tissue. Scar tissue is more sensitive than the previously uninjured tissue that you had within you before. Once scar tissue sets up (this takes about 3 weeks following the trauma), it will become increasingly difficult to get you back to your pre-accident state. Receiving some chiropractic adjustments to your spine will help assure that your spine is in its best position as that scar tissue begins to form. The better your spine is when all of this occurs, the more likely you can return pain-free following your therapy and treatment.
So why can’t you just rest and take the medications? That may be your best first course of treatment for a couple of days following your accident, but certainly can’t be the best choice long term. The medications are there to help you with pain, to help you get through the difficulty of the initial phase of your injury. However, they’re certainly not fixing anything.
In addition to the chiropractic adjustment, you can typically receive additional therapies that will help your muscles and other soft tissue heal more quickly than just “resting” alone. The additional therapies also help with pain, swelling, and inflammation and can be a big help in the speed of your recovery.
Will your auto insurance or health insurance company give you any trouble? You have insurance for just this type of situation, when you need health care and you can’t afford to pay for it yourself. Your health insurance company may have issue if the accident wasn’t your fault and the other person should be paying for it (or their insurance), but otherwise you shouldn’t have trouble here.
Your auto insurance policy will determine the amount of coverage and just how much help the company has to give. Still, it’s your body and your health and you’ll need to make sure your injuries are taken care of following the accident. Where you will have trouble is if months have gone by and you haven’t gone to see any doctors, just hoping it will go away. Then you decide to tell your insurance company that they need to pay for it all. That doesn’t go over too well.
If you’ve been in an auto accident, it’s a good idea to see a chiropractor and do it as quickly as possible once you realize you’ve been injured. The faster you get some type of treatment, usually the better your results.
This is a good list of words to learn if you have never bought auto insurance before. If you have bought auto insurance before you might find another discount here.
* Accident Forgiveness: If you have not had an at-fault accident in the past five years insurance companies in most states will not add a surcharge to your premium after your next at-fault accident.
* Actual Cash Value: This is what your car or vehicle is worth after subtracting how much it has depreciated in value from the original cost due to age, wear, mileage and damage. It amounts to about to what you could sell you car for today which is less than what you paid for it new.
* Agent: An insurance Agent has been authorized by an insurance company represent the companies interests.
* Aggregate Limit: The highest amount that could be paid out on an insurance claim no matter how much property damage or bodily injury that resulted from the accident.
* Amendment: A change to an insurance policy that is usually done after the effective date.
* Anti-Lock Braking System: ABS is a computer controlled braking system that prevents the wheels from locking up and skidding.
* Anti-Theft Device: These devices include motion detectors, alarms, engine starter disablers and steering column restraints. They are designed to help prevent your car or vehicle from being stolen or vandalized and most insurance companies offer a discount on your insurance premium if you install them.
* Anti-Theft Recovery System: These devices include GPS systems and transmit a signal the police can track and use to find your stolen car or vehicle. Installing them may also qualify you for a discount on your insurance premium.
* At Fault: The person who is responsible for causing an accident and is legally liable for the damages.
* Auto Insurance: A type of insurance that compensates you for losses that result from car or vehicle accidents. It typically includes coverage against liability, property damage and bodily injury.
* Benefit: This is the pay out the insurance company sends to you or to the person you named as the beneficiary on your insurance policy if you file a successful insurance claim.
* Binder: This gives you temporary proof of coverage until the insurance company sends you your regular insurance policy paperwork and usually requires a premium payment.
* Bodily Injury: Any physical injury suffered by a person as a result of being in an auto accident.
* Bodily Injury Liability: A type of insurance that provides you coverage against financial loss if you are at fault in an auto accident for causing bodily injury to somebody by paying them compensation for it. It usually also pays for defense costs against legal actions and lawsuits. The maximum limit amount that can be paid out is set when you buy your insurance policy.
* Broker: A broker is authorized to represent the customers who buy auto insurance.
* Carrier: The insurance company you buy your insurance from.
* Certificate of Financial Responsibility: This is usually an SR-22 and is a document filed by the the insurance company that proves you have met the states minimum liability limits.
* Claim: An auto insurance claim is your request to be reimbursed for a loss or damage that is covered by your car insurance.
* Claim Adjuster: A person responsible for investigating and settling a claim.
* Collision Coverage: A type of car insurance that pays for auto repair or replacement costs if your car hits another vehicle or object. It usually pays up to the actual cash value of your car.
* Continuously Insured: The length of time you have maintained insurance on your vehicle with no lapse or interruption. This helps you qualify for discount insurance premium rates.
* Declarations page: The first page of your insurance policy that lists your name, insurance company, policy number, deductibles and coverages. It includes the effective and expiration dates of the insurance policy and a description of the insured vehicles.
* Deductible: The deductible is the amount that an insured person agrees to pay toward their own losses before the insurance company pays out on a claim. The higher the deductible you choose the lower your insurance premium will be.
* Depreciation: The steady decline in you vehicles actual cash value as the result of age, mileage, wear and tear.
* Driver Training Discount: If you take a defensive driver safety training course you might qualify for a discount on your insurance premium.
* Earned Premium: The part of your insurance that has actually been paid for. If you pay for six months of coverage then in four months there will be four months earned premium.
* Effective Date: The date the insurance coverage on you vehicle actually starts when you pay for it.
* Endorsements: Also know as riders, these are changes to the original insurance policy.
* Expiration Date: The date your insurance coverage stops unless you renew the policy.
* Gap Insurance: This pays you back the difference between what you owe on your auto loan or lease and the actual cash value of your vehicle after a serious accident or total loss. It is optional but highly recommended if you owe a lot on your car.
* Garage Location: This is simply the zip code area where you park your car at your primary residence when you are not driving it.
* Indemnity: The sum to be paid out in the event of a loss that puts the insured back to where there were before with no more and no less.
* Insurance Premium: The predetermined amount you pay to the insurance company to get the insurance coverage you agreed upon.
* Insurance Quote: An no obligation offer from an insurance company for insurance coverage based on the information you give them about your vehicle and how much coverage you want.
* Lapse in Coverage: This happens if you let your car insurance expire and have no insurance for any length of time and will not help you qualify for a discount.
* Liability: The legal responsibility incurred if you cause bodily injury to another person or their property in an accident to compensate them for it.
* Liability Insurance: This pays for damages you have to pay to someone else as a result of causing them bodily injury or property damage in an accident. Most states have a minimum liability coverage amount.
* Limits: The maximum amount your insurance company will pay out to you in the event of an accident or loss.
* Medical Payments Coverage: If you have an accident this pays the medical expenses for you and your passengers no matter who was at fault.
* Motor Vehicle Report: A record of your moving violations and accidents over the years. A good MVR means lower insurance premiums.
* Multi-car discount: Most insurance companies offer a discount if you insure more than one vehicle with them.
* No-Fault Insurance: A few states allow this type of insurance where the company pays out to the insured no matter who was at fault in the accident.
* Personal Injury Protection: PIP pays for your medical expenses and lost wages in the event of an accident no matter who was at fault.
* Underinsured Motorist Coverage: If you get into an accident with someone who does not have enough insurance coverage to meet the damages you suffered this will pay for your medical expenses and property damage.
* Underwriter: An insurance company representative who reviews the insurance policy you apply for and decides if it is acceptable by the company standards.
* Uninsured Motorist Coverage: This will pay for the damages and bodily injury you suffer if you get into an accident with someone who does not have any car insurance.
* Vehicle Identification Number: VIN is the 17-digit serial number of your vehicle located on the drivers door frame or dashboard.
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October 2, 2009
Today international travel for business or pleasure keeps growing at a fast pace and is unlikely to change in the near future. The most serious problem any international traveler faces when on the move is the possibility of having a medical problem in a foreign country. International travel medical insurance goes a long way in taking care of surprise medical problems. It offers temporary medical or health insurance for US citizens and foreign nationals when traveling anywhere outside of their home country.
Some domestic health insurance plans will cover you for some procedures and expenses away from home but many don’t, especially for major medical expenses. There are many types of international travel medical insurance on the market today including student travel medical insurance, travel accident insurance and even backpackers travel insurance.
It’s important to know that evaluating someone who has met with an accident or become ill in an isolated place can be terribly expensive. Many international insurance companies have a bi-lingual or multi-lingual staff and on-site medical staff available 24 hours a day, seven days a week for their policyholders for consultation and medical emergencies.
One way to lower your insurance costs is to agree to pay a small upfront medical cost for any future treatment needed and make a claim from the insurance company only when the amount exceeds that amount. For example, you could agree to pay the first $200 of any medical expenses and make a claim only when the cost of the treatment goes above it.
If you find a quality insurance company, it’ll take the financial worry of terrific medical expenses out of your travel experience. You can exclude a medical condition that is pre-existing which can lower your insurance costs, but you must be sure that the condition will not worsen on your trip and it could cost you a lot more. Any international traveler, expatriate or business traveler needs to be careful about the medical costs they could incur while traveling out of their home country.
Whatever compromise you choose to make in your plan between risks and costs, shop around not only for cheap international travel medical insurance plans, but also for the insurance company that gives you complete information, has open not hidden view functioning and doesn’t evade any of your questions.
The time frame on your insurance policy needs to be restricted to the actual time you’re out of the country; the shorter the duration will obviously reduce the cost. Some travel insurance plans don’t accept hazardous vocations such as mountain climbing. After you get your insurance, in case any minor emergency medical treatment is needed, have all the expenses listed in itemized bills to make a claim when you get back home.
Getting low cost or cheap international travel medical insurance quotes online from several insurance companies is easy enough to do. The watchword in your travel insurance should be attention to the smallest of details.
Some of the insurance policies don’t cover any pre-existing illnesses, and will ask for a history of any medical problems. All around the world medical costs are skyrocketing, due mostly to the advances in specialized equipment and the cost of advanced medicines and training specialists in a number of medical fields.
Finally international travel medical insurance is a must for all travelers going out of their home country. You want to make sure that evacuation coverage is included in your plan, because that can be a major expense; getting you out of a isolated or difficult location such as a cruise ship, mountain top or safari can be very costly.
Getting low cost or cheap health insurance is certainly a good possibility without giving up any quality care you might need away from home. International travel medical insurance quotes are easy to get online and an important travel necessity for individuals and families when they live or travel outside their home country. Just make sure you know exactly what is covered in your travel insurance policy.
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