Thursday, May 9, 2013

Neck Pain and Back Pain After NM Car or Truck Accident? Answers by Former Insurance Company Attorney.

I have neck pain and back pain after my New Mexico car accident... Who will pay for my injuries?
By:  Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

Will the insurance company for person who caused accident pay for my exam and treatment by a doctor or chiropractor?


Will the ambulance, hospital or doctor agree to directly bill the insurance company for person who caused accident?

These are some of the most common questions we are asked at Caruso Law Offices by people who were just involved in a auto, car,  truck, motorcycle, bicycle or pedestrian accident or collision. They may have been taken away by an ambulance to the emergency room and sent home with medications.  They may have begun treatment with an orthopedic doctor, their primary care doctor or a  chiropractor.
Woman with low back pain after car accident.
But it is usually the same question....

Who will pay for my injuries?

If you have health insurance, you have less problems.  Most New Mexico health insurance companies such as Lovelace, Presbyterian and Blue Cross Blue Shield will immediately pay the ambulance and emergency room bills.  You may still have a deductible or co-pay.

Woman with neck pain following car accident.

However, many insurance companies now have a provision in the health insurance policy stating that they do not pay for injuries resulting from auto and truck accidents caused by another.

Where can you get the care that you need to treat your neck and back injuries from the car accident?

I personally believe that hands on exercise and therapy are the best ways to treat any soft tissue injury to your back or neck such as whiplash or back strains.
This type of treatment can be by chiropractors, physical therapists and medical massage therapists. Most of these health care providers will agree to directly bill the insurance company for the person who caused the accident.  Most will also accept a letter of protection and lien by a personal injury attorney.

You need to be very careful about who you chose to treat your injuries. 

Chiropractors, physical therapists and medical massage therapists have good and bad reputations among the insurance company for the person who caused the collision.  Chiropractors must follow the Croft Guidelines which limit the duration of treatment and number of total treatments.  If they fail to do so, your claim could be severely jeopardized.  Physical therapists and medical massage therapists need to be working with a doctor of some type to justify their bills to the insurance company.

Doctor reviewing x-rays following car accident.

Personal injury attorney Mark Caruso can help you select a credible chiropractor, physical therapist and medical massage therapist.
 Because Caruso Law Offices only handles personal injury and wrongful death cases we know the reputations of local doctors and health care providers. 
We listen to our clients, but we also listen to the comments of the insurance adjusters we fight daily. We know which health care providers to avoid, and we know which have the best reputations. 

Getting the health care provider paid

Once you make your selection on which health provider you want to treat your injuries, we can offer the medical doctor, chiropractor, physical therapist or medical massage therapist a letter or protection or medical lien on your claim.  That means the health care provider knows that we will submit their bills and records for payment from the insurance company for the person who caused the accident.  It also means that they know that they will get paid at the end of your case. 
Caruso Law Offices has worked with several hundred of New Mexico's health care providers over the past 27 years that Mark Caruso has had his personal injury and wrongful death law firm in Albuquerque.  We have an excellent reputation among health care providers because we get them paid from the insurance company for the person who caused the accident or collision. We can help you with your referral and letter of protection. 
Call personal injury attorney Mark Caruso at 505-883-5000 to get more information about how to treat your neck pain and back pain and other spinal injuries after your New Mexico car or truck accident.  You can also visit our website at  Please read our client testimonials and reviews.

We have received the 2013 Client Distinction Award from Martindale Hubbell and are rated a 9.6/10.0 by AVVO lawyer ratings.  We also have an A+ rating from the Better Business Bureau.

Mark Caruso will give you a FREE consultation at one of our Albuquerque offices--Northeast Heights or Westside--or at your home, work or other location during the day or in the evenings or weekends.  We handle cases statewide throughout New Mexico and in the pueblos and reservations throughout our state. 
Mark Caruso will also explain our 29% discounted attorney fee for all personal injury and wrongful death claims resulting from auto, car, truck, motorcycle, bus, bicycle or pedestrian accidents and collisions. Why would you ever want to pay the higher 33 1/3% attorney fee that most personal injury and wrongful death attorneys charge.
Call us today at (505) 883-5000  

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