The first fact concerns the benefits’ name. Sometimes an AB benefit gets referred to as a Section B benefit. At other times it might be called an accident benefit. The varied names can confuse policy holders, but those in the industry understand how each name might get used. Regardless of the benefits’ name, each of them manages to help the victim of an accidental occurrence, one that harms the victimized individual.
Rights linked to AB benefits
Following an automobile accident, all injured victims have a right to medical benefits. Even the person that could be pointed to as the at-fault driver deserves to enjoy that right. In order to make sure that every accident victim can secure that right, the law states that the driver’s insurance must cover the medical costs.
Extent of coverage
No insurance company will get asked to pay more than $50,000 in Section B benefits. That is the maximum available coverage. If the victim fails to obtain $50,000 worth of doctors’ visits, along with treatments, therapy sessions and diagnostic tests, during the two years after a given accident, the unused money stays in the hands of the insurance company.
The provided coverage ensures payment of bills by the insurance company for a period of two years. After that period of time, the victim must pay such out-of-pocket expenses. The same victim can then go after a proper reimbursement for the money that has been spent, while seeking medical care.
Treatments not covered
The costs associated with delivery of chiropractic services will not get covered. In addition, the costs linked to a massage or acupuncture cannot be covered. Anyone that provides an accident victim with physiotherapy does have the right to seek payment from the insurance company, the organization that must arrange for the benefits’ distribution.
A false rumor that relates to what follows utilization of the Section B benefits
Contrary to one widely-believed falsehood, AB benefits have the same status as a no fault benefit. In other words, using them should not cause insurance rates to rise. That means that their utilization cannot be used as an excuse for raising the price of the premiums that are paid by the policy holder. Still, insurers do not put lots of effort into clarifying every aspect of their policies, especially those that related to the making of payments.
Generally, insurers do not express any great level of concern over the fact that policy holders feel reluctant to request the benefit that each of them deserves. In fact, some companies even try to discourage use of such beneficial offerings. Consequently, the generally-accepted falsehood continues to keep accident victims from seeking the compensation that is rightfully theirs. That is why it is important to seek the services if a personal injury lawyer in Lethbridge.