Butler County's great daily newspaper

Delayed, denied

August 17, 2013 Letters to the Editor

Let it be known there is insurance fraud and it is surprising as to whom is involved. I was rear-ended on April 1, 2011, while parked at an Arby’s drive-thru, turned in the seat, getting my bank card out to pay for my order. I got out to check the car and a woman wound her window down a few inches and said “I didn’t do any damage.” I said, “How do you know? You are still in the car.”

The woman got her order, drove past me and left; luckily, I got her license plate number. The police went to her house for information.

I didn’t feel any pain until later that night, and I went to the emergency room the next day for a checkup. The neurologists I went to next spotted a C2 fracture the emergency room missed.

It got to where my auto insurance company stated I had $10,000 coverage for medical care and medications. I later learned I am entitled to a maximum medical benefit of $50,000 per year and $1,000,000 lifetime aggregate of reasonable and necessary expenses only for medical treatment and rehabilitative services

My HMO is required to cover my medical bills and medication and I am to pay a co-pay. My premium payment to this HMO is $251 a month. I am unable to get my proper medication as I do not have $987 a month for 120 pills. But I am paying for this accident, and I was parked.

The other driver’s insurance company sent me a form to fill out and mail. The form was Medicare Chapter 111: does this mean the taxpayers will be footing the expenses of this accident that are rightfully the insurance company’s obligation?