Auto Accidents / Sports Injuries
Auto Accidents, Slip & Fall Injuries, and Sports Injuries can turn your life upside down and into a tailspin. At Natural Wellness Centers we understand what you are going through and provide gentle treatment like gently adjustments to joints, massage, ultrasound, electrical muscle stimulation, and ice and heat treatment to help the body heal faster. It is important to start treatment as soon as you are injured to minimize the amount of scar tissue that is deposited into the injured tissue. The longer you wait to get treated the more likely the injury will become an irritation to you the rest of your life. Minimize scar tissue by getting treated right away.
Hiring an Attorney
One of the most stressful moments in your life is being in an Auto Accident. The second most stressful moment will be finding an awesome attorney that will represent you in your accident. Dr. Spickelmier has been working with attorneys in Las Vegas and Henderson for over 20 years and can personally tell you that there are awesome attorneys and there are attorneys that are terrible. Call Dr. Spickelmier at Natural Wellness Centers and he will personally get on the phone and recommend at least 3 attorneys that you can interview that are excellent at what they do and you will be very happy that they settled your case.
At Natural Wellness Centers we will work with your attorney on a lien, or if you have Medical Payments Coverage on your insurance policy we will bill your insurance. In the State of Nevada it is illegal for insurance companies to raise your insurance when you use your Med-Pay. If the accident is your fault it is very likely that your rates will go up because you caused the accident.
It is important to understand your insurance policy and to make sure that you have the following coverage’s in the event of an auto accident.
Medical Payments comes in different amounts of coverage. You can get $1,000, $2000, $5,000, $10,000, etc. Understand that this is an extra coverage on your insurance and is used for any medical bills that you incur as a result of your injuries. We suggest carrying a minimum of $10,000 up to $50,000. There is an extra premium for this coverage, but it isn’t much and well worth having.
Key reason why you want Med-Pay is when your attorney settles your case, your medical bills are already paid by your insurance policy, and not out of your settlement. That means that you pay your attorney fees and the rest of the settlement goes in your pocket, and towards medical bills.
Under Insured Motorist
Under Insured Motorist coverage comes in different amounts of coverage. When you are in an auto accident caused by somebody else, you are dependent upon whatever coverage they carry. In the State of Nevada, the minimum coverage anybody can carry is $15,000 / $30,000. If you were the only person in the vehicle when the accident happened, then $15,000 is all that is available. If you had 2 or more people in your vehicle when the accident occurred, then $30,000 is what is available. If you had 5 people in your car during the accident, still only $30,000 is available.
Under Insured Motorist coverage provides more coverage for you and the other occupants in your vehicle in and above what the other person’s plan covers that caused the accident. For example if there was just you in the accident and your medical bills came to $30,000 and there is only $15,000 available, there wouldn’t be enough coverage to pay for your medical treatment. Remember that an Emergency Room visit can cost $10,000 or more for x-rays, cat scan, and MRI, and then there is the additional cost of getting better through chiropractic, physiotherapy, massage therapy, medication, or natural organic food based supplements and herbs to help with the healing process.
Also understand that your attorney needs to have enough coverage to cover your medical bills (if you don’t have Med-Pay), Attorney fees, and your pain and suffering settlement. If there isn’t enough coverage then you are very limited in what you can do.
Uninsured Motorist should be self-explanatory. If the person who caused the accident doesn’t have insurance (happens all the time), then the Uninsured Motorist coverage on your insurance will cover you for all of your medical bills, and by law has to act as if they were the other persons insurance. Your insurance will also pay you a pain and suffering settlement that is a percentage of your total medical bills by law.