Q: I felt okay after my car accident a few weeks ago, so told
the police I didn't need to go get checked, but now I don't feel well - will the insurance company say it's not because of the accident and not cover it?
A: They will certainly try, but it is also common to not feel the pain from the injuries right away.
A:
First of all, the opinion of a police officer is not a medical opinion. I suggest you go and get seen by someone who is also covered by your personal medical insurance so that your visit is covered either way. Your medical provider will bill your car insurance for the PIP coverage if you put down that it is accident related. Then once you see that PIP is starting to pay for the medical bills you will feel better about continuing to get treatment.
If you don't have your own medical insurance you should sign up for coverage so that you have it going forward. Still get seen and let the provider bill your PIP. If PIP refuses to pay see an Attorney. There are ways to sue PIP for not paying medical bills related to an accident.
This of course assumes that you had car insurance at the time of the accident. All Oregon car insurance policies must include PIP which pays medical bills regardless of fault.
While not impossible, it is unlikely that PIP will refuse to pay for at least a single visit to determine if your current symptoms are accident related.
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