MEDICAL TREATMENT GUIDE

A Good Doctor: The key to good health and good settlement

INITIAL EVALUATION

The initial evaluation should always be performed by a Medical Doctor (M.D.). This is important because car insurance companies will always lower the value of claims not evaluated by an M.D. After the initial evaluation, the M.D. should present you with your proper treatment options.

MAGNETIC RESONANCE IMAGING (MRI)

An MRI is an essential component to the proper valuation of an auto accident claim. An MRI is much more effective than standard x-rays in determining the nature and extent of most injuries. You should not continue treatment for an extended period of time at any facility that does not offer you an MRI option.

TREATMENT

Standard treatment for an auto accident or personal injury claims can be performed by a Chiropractor or Physical Therapist. Treatment is rehabilitative in nature and should be diverse. It is very important that you disclose every detail of your symptoms to your therapist or chiropractor and even more important that they record this information. No detail is too small for proper medical documentation. Please ask your therapist for a diverse treatment plan as many clinics offer each patient a redundant treatment plan that does not provide the physical relief need to the patient and also reduces the value of the overall claim.

FINAL EVALUATION

The final evaluation should be performed by a M.D. when you reach maximum medical improvement (see below). All your symptoms and concerns should be voiced to your M.D. at this time. The final value of your case will depend on how you have kept up with your treatment, the nature and extent of your injuries, your long-term prognosis, your medical bills, and the Doctor’s final evaluation.

MAXIMUM MEDICAL IMPROVEMENT (MMI)

Maximum Medical Improvement is the point in your treatment where the doctor determines that further recovery is not anticipated. At that time, your treatment shifts from rehabilitative treatment to palliative care.

PERMANENT IMPAIRMENT RATING

At the end of your treatment a Medical Doctor will assign a Permanent Impairment Rating to you if warranted. This rating can only be performed by a Medical Doctor (M.D.) and must be done in accordance with the guidelines set forth by the American Medical Association (AMA). The Impairment Rating represents that percentage of bodily part function permanently lost as the result of the injuries suffered during your accident.

“The standardization of medical treatment has nearly ruined the insurance system for Florida’s consumers. Each injury is unique and should be treated as such. By making everybody’s treatment the same, doctors have played right into the hands of the insurance industry by minimizing the value of certain injuries that may cause tremendous pain. Many call services tell you to ASK them about your injury or to call them immediately after you call 911, but the fact of the matter is that they do not care about you or your family, they only prey on the desperate, misguided and misinformed. Don’t ask a 1800 number, speak to our lawyers and make sure you get the attention you need.”
Sami Thalji, Managing Partner, STAMATAKIS + THALJI+ BONANNO

Florida No-Fault is worth saving. PIP coverage benefits consumers.

Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages when you are injured in a car accident. Also, PIP may cover minimal death benefits to cover funeral expenses. PIP is also known as Florida ‘no-fault’ meaning that you PIP coverage will step up and pay your initial medical bills and lost wages regardless of who is at fault in the auto accident. No fault was designed to allow persons injured in an auto accident to get the medical treatment they need while the particulars of the auto accident get sorted out by the car insurance companies, courts, and auto accident lawyers. Prior to the inception of Florida no-fault, car insurance companies were routinely ripping off their customers by not paying claims, or paying minimal value and leaving injured people without coverage. To no surprise of any Floridian, car insurance companies are still getting fat by not paying out full value on auto accident claims. Recently, State Farm Florida claimed a $800 million profit in 2009. How much money did you make?

Florida’s no-fault and PIP coverage policies are worth saving and do benefit the consumer greatly.

The car insurance industry has spent millions of dollars trying to convince consumers that the system is broken. Car Insurance companies want to end Florida no-fault so they can discontinue paying for their customers medical care.

Florida no-fault does need to be cleaned up.

A good place to start would be to clean up unscrupulous doctor clinics such as those that advertise under the banner “800 Ask…” These medical clinics only perform basic, standardized care for their auto accident clients. This care does not benefit the auto accident client in most instances and only serves to exhaust their car insurance coverage. Once the car insurance is gone, if the clinic does not think your case is worth big money they tell you to hit the bricks, injured or not. Shutting down these clinics will go a long way to saving the system for Florida’s consumers.

Medicine should not be Standardized, it should be Personal.

Don’t ask a 1-800 number. High volume medical ‘mills’ don’t care about you.  We can help. STAMATAKIS + THALJI + BONANNO has experience with auto accident injuries, and we can help you through the process.  Call toll-free 866-479-6946 or contact us online to discuss your accident with one of our knowledgeable lawyers at a free initial consultation.