Ice Missiles Causing Baltimore Auto Accidents
Ice Missiles Causing Baltimore Auto Accidents
As my avid blog followers are already aware I am a Baltimore chiropractor with two clinics in Baltimore City that spends the majority of my time treating Baltimore auto accident injury patients. Typically the injuries we see present as headaches, neck pain, and back pain. In some instances we see upper and lower extremity pain as well as vehicle occupants suffer contusions and extremity sprains and strains due to striking their body within the vehicle during the impact.
Just today we had several new auto accident patients who all had one thing in common – their injuries were due to ice missiles! Prior to today I had never heard of the term ice missile so I wanted to learn a bit more about it and share it on my blog.
I have been a chiropractor for almost nine years and I had not heard of ice missiles until today. An ice missile is when a sheet of ice or snow flies off another vehicle or truck and then causes either bodily injury and/or property damage to another car. Although we had a relatively mild winter with only one really substantial snow storm, there are still many people driving around on the roads who have not taken the time to brush their vehicle’s roof of from snow and ice. So what happens when they drive is that sheet of snow or ice takes off and becomes an “ice missile” that can go anywhere and cause havoc on the roads to other motorists.
Interestingly, Maryland does not have any laws on the books that require the removal of snow and ice from a vehicle before operating it. According to AAA, Maryland State Troopers are legally allowed to give tickets to motorists for driving with accumulated snow and ice on the surface of their vehicles, but the state of Maryland does not have law that specifically require that motorists do so before driving their vehicles. The same holds true for Washington D.C. and Virginia. Commercial trucks and vehicles are required to remove snow and ice debris, but sedans and SUVs do not have the same law on the books. That sounds a little confusing to me. Surrounding states such as Pennsylvania do require motor vehicles to remove their snow and ice, however. So even though the law does not require it, it is considered a common courtesy and good general practice to clear the debris from your car prior to operating it.
Here are some tips to help you clear the snow and ice off of your vehicle. And yes, you guessed it, they are pretty common sense.
1. Use de-icer spray on the windshield of your vehicle prior to a substantial snow fall if you can.
2. Pull your windshield wiper blades off of the your windshield prior to the snow storm. It will make your windshield easier to clean and will prevent your blades from sticking.
3. Use a telescoping snow brush to reach the hard to reach areas such as the roof of your car to knock snow or ice off.
4. Work from the top down – Always start with the top of your vehicle and pull the snow towards you. That will prevent you from having to do double duty and re-clearing the hood of your car a second time.
5. For tall vehicles such as trucks and SUVs, get a step stool or step ladder to reach the top
6. Park your car facing the morning sun (east) – Even a few degrees of warmth may be enough to help loosen the snow and ice from your vehicle. You can aid in the melting of the ice and snow by turning on your vehicles front and rear defrosters by taking advantage of morning sunlight.
7. Always make sure your tailpipe is clear of snow to avoid the accumulation of toxic carbon monoxide
Even though we all want to stay in bed as long as possible and avoid having to go to work the morning following a snow storm, its important to spend the extra time to carefully remove snow and ice from your vehicle. Although it technically is not a law in Maryland, it is common courtesy. We all share the roads and we owe it to each other to make the commute as safe as possible.
If you, or someone you know, has been injured as a result of an ice missile, please contact Mid-Atlantic Spinal Rehab & Chiropractic. We now have two locations in Baltimore (Southeast- Fells Point, and Northwest, Upper Park Heights) to better serve your injury treatment needs.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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Autonomous Uber Car Involved In Roll Over Crash
Autonomous Uber Car Involved In Roll Over Crash
As a Baltimore Chiropractor, I spend the majority of my day while in my two Baltimore chiropractic clinics treating patients that have headaches, neck pain, and back pain. About half of our patients have been involved in Baltimore auto accidents and have suffered from whiplash. The other half of our patients are athletes, couch potatoes, and weekend warriors who sprain and strain their spine and are just looking for short term relief care so they can resume their lives quickly and pain free. We are happy to provide whatever level of care that our patients need.
One of the subjects that I like to follow in current events is the technology surrounding autonomous vehicles. I do forsee a day and probably within my working lifetime that there will be fewer (if any) human drivers on the road and that all non-commercial motor vehicles will be controlled by on board computers. Right now most of the major technology companies such as google, tesla, uber, and apple are all trying to stake their claim to the autonomous driving world so I see it as a foregone conclusion. Technological advancement, however, is not without its draw backs and “growing pains.” Just this past week in Tempe, Arizona an autonomous driving uber was involved in an auto accident with a human driver and it rolled over following the impact.
It’s a pretty sensational headline because naturally you might think that the autonomous uber vehicle caused the crash, but that wasn’t the case. The uber vehicle reportedly had an operator behind the wheel but was in autonomous driving mode at the time of the crash. There were no passengers in the uber and there were no reported injuries at the scene. According to police the uber was a Volvo XC90 that was hit and rolled over when another vehicle failed to properly yield at an intersection.
As a result of the crash uber has temporarily suspended the operation of all autonomous vehicles in Arizona as they gather data. Uber also temporarily suspended self driving vehicles in Pittsburgh and San Francisco for the day and are considering doing so longer.
While I do only see this as a short blip on the radar for uber and other companies with autonomous driving vehicles, it does bring to light the complexity of driving, especially when there will undoubtedly be a mix of autonomous and human driving vehicles sharing the road. Humans sharing the road with other human drivers leads to hundreds of thousands of injuries a year in the United States and humans sharing the road with autonomous drivers is already leading to motor vehicle collisions. Until we can get to the time and place where ONLY autonomous drivers are operating cars on the road, I foresee there being many more collisions (but certainly at a rate that is less than when only humans operate vehicles.) I am not sure how engineers can account for all of the complexities of operating cars in real time to prevent all collisions and injuries.
I do not think that uber has a plan to release autonomous driving vehicles in Baltimore any time soon. But when they do my staff and I are happy to take care of any uber-induced Baltimore auto accident injuries.
If you, or someone you know, has been injured in a motor vehicle collision in Baltimore, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We now have two convenient and accessible locations to better serve your injury treatment needs.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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What is Maximum Medical Improvement?
What is Maximum Medical Improvement?
As my avid blog readers (and I know you are out there) are already aware, I am a Baltimore Chiropractor. I own two clinics in Baltimore, located in Southeast Baltimore (Fells Point) and Northwest Baltimore (Upper Park Heights). We focus on taking care of anyone with spinal pain. That includes athletes, students, couch potatoes and really anyone else. As the clinics grow we continue to see more Baltimore auto accident patients. I like to focus each of my blog posts about an issue dealing with Baltimore auto accidents since it is a subject that I find particularly interesting and it impacts me and my providers every day.
When someone gets injured in a Baltimore auto accident, they typically present with a series of symptoms that include but are not limited to, headaches, neck pain, back pain, numbness and tingling down an arm, numbness and tingling down a leg, shoulder pain, and concussions. Just about any body part, under the right circumstances, could become injured following a Baltimore auto accident injury. Our job as treating providers at Mid-Atlantic Spinal Rehab & Chiropractic is to figure out exactly what pain and injuries were caused by the crash and then to rehab the patient until those symptoms and pain resolve.
That brings me to the subject of the blog post, Maximum Medical Improvement, or MMI. The definition of MMI is having a patient’s subjective and objective complaints return to the level of pain that they were experiencing prior to their injury. It also means that if you can not do that, that you have exhausted all methods within the scope of your practice to do so. In the cases where there are permanent injuries, patients must be discharged/released from care once it is clear that their treating providers can not continue to heal or improve the patient.
I am going to offer up a few examples below to demonstrate what MMI is.
A) A patient was a normal healthy 21 year old college student. He got rear-ended and developed neck and back pain. He did a “routine” course of chiropractic care with physical therapy and modalities and after about eight weeks all of his symptoms resolved. He resumed all of his normal activities and he was discharged as being pain free with no residual symptoms. In this case, the patient reached MMI in 8 weeks. He had no pain or issues prior to the crash and was discharged once he again reached that level of discomfort (which was becoming pain-free again).
B) A patient has chronic back pain from a football injury in college. They usually get a low level of pain in their lower back (4/10) and they experience this pain about the half the week (3-4 days are good and then 3-4 days are bad). They already have medical providers such as pain doctors or orthopedists that they follow up with to manage their chronic pain.
This patient who is different from the example above gets involved in a Baltimore auto accident as in the example above. Now the definition for MMI is different for this patient. Our goal is to get this patient back to their PRE-EXISTING condition. For him, that is mild-to-moderate lower back pain about half the week. It is NOT getting them to zero pain, given that they presented with back pain. In this instance the Baltimore auto accident aggravated or “flared up” their condition and our obligation is to get their condition back to where it was before the crash. Once the patient’s condition is back to where it was, we release them at MMI.
C) In the example above let’s look at that patient again. What if we were never able to get that patient back to where they were prior to the crash? What if they were ejected from the vehicle and now have a surgical back condition that chiropractic care and physical therapy will not help? What if despite our help they now have daily constant back pain at a 9/10 and none of our treatment can help reduce the pain any further after a reasonable course of care? That has happened before. We would still release that patient at MMI in this example because they will have a condition that therapy in this office can not realistically get back to “pre-injury” status.
So the big question is why does any of this matter?
The answer is simple. When a patient is injured their insurance companies (either their first party PIP carriers or the adverse insurance driver who struck them and is responsible for paying for the injuries) have agreed to contractually ONLY pay for injuries that are related to an accident. That means that they will pay for the treatment of these patients only until they have reached MMI. They will discontinue payment for treatment once MMI has been reached. That is why providers such as medical doctors, orthopedists, chiropractors, and physical therapists need to concern ourselves with what MMI is when a patient has reached MMI with our care.
If you, or someone you know, has been injured in a Baltimore auto accident, please contact Mid-Atlantic Spinal Rehab & Chiropractic. We now have 2 convenient locations to better serve your injury needs.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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Will My Auto Insurance Rates Go Up If I Use My PIP Benefits Following a Baltimore Auto Accident Injury?
Will My Auto Insurance Rates Go Up If I Use My PIP Benefits Following a Baltimore Auto Accident Injury?
As a Baltimore Chiropractor that owns two clinics in Baltimore City, I spend the majority of my time in the clinic managing headaches, neck pain, and back pain. Clearly these conditions can arise for a number of reasons. We see people injured from playing sports, working out in the gym, or just waking up with stiff necks and backs. However, one of the most common sources of injuries that we treat in this clinic are auto accident whiplash injuries that result in neck pain and back pain in Baltimore.
One of the questions that my staff and I get asked most commonly is whether or not an injured patient’s auto insurance rates will go up if they elect to use their PIP (Personal Injury Protection) benefits. If you recall PIP is Maryland’s no-fault benefit that is used when an injury occurs as a result of a motor vehicle collision. PIP is typically written in amounts of $2,500, $5,000, or $10,000 but can be waived at the time of underwriting. PIP can be used to pay for lost wages and post-injury rehabilitation (including x-rays, chiropractic care, and physical therapy) following a Baltimore auto accident injury regardless of who caused the crash.
Its a reasonable question to ask as to whether or not auto insurance rates will go up if you elect to use your PIP benefits. Let’s look at two scenarios. One in which the injured patient is at fault for the crash, and one in which they are not. And please keep in mind – obviously I am not a licensed attorney in the state of Maryland nor am I licensed to sell insurance in Maryland. If you have a specific question about your specific set of circumstances you would be best served calling your insurance agent or personal injury attorney to discuss your particular situation
Example 1: Patient A was driving home from an Orioles game and fell asleep behind the wheel. They crashed their car into another car by rear-ending them at a red light. They injured their neck and want to use their PIP benefits to get x-rays and chiropractic care to help heal their neck. In this instance, it is likely that their auto insurance rates WILL go up following their auto accident injury. That is because they caused a crash and their auto insurer will now see them as a larger risk and as such will assess higher premiums for their policy. However, the important thing to note is that their auto insurance rates are ALREADY going up from having caused a crash. In such an instance it still makes sense for the injured patient to file for PIP benefits because they have already been paying a premium for access to this insurance and their rates are going up whether or not they choose to open a PIP claim.
Example 2: Patient B was idling at a red light when they were rear-ended by patient A in the example above. They developed whiplash symptoms including post traumatic headaches, neck pain, and back pain. They present to my clinic worried about whether they should open a PIP claim since the crash was not their fault. In this instance, I would encourage them to open a PIP claim or have one opened on their behalf by their personal injury attorney if they have one, since they were non-faulted victims in a crash. Even though PIP is a first party benefit (paid out by Patient B’s insurance not the adverse insurance that indemnifies the driver that caused the accident) Maryland law forbids insurers to raise auto insurance premiums in cases where there is no fault on behalf of the victim. The particular law in question is found under Maryland General Assembly 19-507(c). The law protects the rights of injured patients/claimants by enforcing the rule that a policy premium can not be increased should a PIP claim be opened.
You can read the particulars of the law here.
The choice as to whether or not you should open a PIP claim following a Baltimore auto accident is completely in the hands of the injured patient. The vase majority of patients do choose to open a claim, as they have paid for benefits that they are entitled to. Those that choose against opening a claim are typically worried about financial ramifications (i.e. raising auto insurance premiums) as the reason why they do not open PIP claims. I hope that this information helps people in Baltimore injured in Baltimore auto accident injuries make the best decision they can as to whether or not to open a PIP claim.
If you, or someone you know, has been injured in a Baltimore auto accident injury, please call Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We now have two convenient locations in Baltimore City to help with your auto accident rehabilitation needs!
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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History of Auto Accident Induced Lower Back Pain Is a Risk Factor For Developing Future Lower Back Pain
History of Auto Accident Induced Lower Back Pain Is a Risk Factor For Developing Future Lower Back Pain
As a Baltimore Chiropractor with two chiropractic clinics in Baltimore, I spend a lot of my time concerning myself with auto accident rehabilitation and auto accident injury treatment in Baltimore. Whenever I find research that relates to it I try and learn about it as it impacts the patients in my clinics everyday.
I came across a study from the European Spine Journal that was posted on April 8, 2017 that spoke about the likelihood of developing lower back pain in the future if an individual suffered from lower back pain as a result of a motor vehicle collision (auto accident injury). You can see a copy of the abstract of the study here.
The researchers randomly selected nearly 800 Saskatchewan adults with either no or mild lower back pain and then asked them if they had ever injured their lower backs in motor vehicle collisions (auto accidents). They then followed up with these individuals at 6 and 12 month periods after their initial contact.
The researchers concluded that there was a “positive crude association between a history of low back injury in a MVC and the development of troublesome LBP over a 12-month period.”
Anecdotally I have been seeing this in my Baltimore City chiropractic clinics for years. That is, we would take in a new patient who developed lower back pain following a Baltimore auto accident injury. We would treat them for a short course (6-8 weeks) of chiropractic therapy with physical therapy for their injuries and for the most part (assuming there were no fractures, dislocations, or disc herniations) these patients would typically have their conditions resolve within that course of treatment. However, about half would present for additional follow up care for lower back pain within the next year following the conclusion of their treatment.
While the exact reason as to why lower back pain persists despite a successful outcome with chiropractic care and physical therapy is not yet known, it does demonstrate that I have believed to be true. It implies that healing is a longer process than just a few weeks or months of rehab. I have read research that true healing following the trauma of a motor vehicle collision can take up to a year. This research supports this hypothesis. And while this may prove to be true, insurance carriers will not likely pay for years of on-going chiropractic care or physical therapy. But that’s a subject for another time…
If you, or someone you know, has developed lower back pain as a result of a Baltimore auto accident injury and require treatment, please contact us at (443) 842-5500. We would be happy to help you recover at either of our two Baltimore City chiropractic clinics.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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Chiropractic Help After An Injury At Work
Chiropractic Help After Injury at Work
If you have been injured while at work you may be able to receive workers compensation. Workers compensation was put into action in order to help employees if they happened to get hurt while conducting a job related task. In exchange for not suing the company, workers compensation provided wage replacement benefits, vocational rehabilitation and medical treatment. One of the common injuries acquired while on the job are back related issues. If you have been experiencing neck or back problems because of work, a skilled chiropractor may be able to relieve some of that pain.
Understanding Chiropractic Practices
Chiropractors know how to use hands-on spinal manipulation to help align the body’s musculoskeletal structure. Adjusting and aligning the spine helps enable the body to heal itself without the need of invasive surgery or medication. If you fell while at work or lifted heavy objects that caused the back pain, workers compensation may be able to cover the expenses of seeing a chiropractor. When your back is injured, you may experience different levels of pain ranging from aches to sharp pain. The goal of chiropractic therapy is to provide an alternative to surgery that still offers pain relief for the bones, connective tissue, muscles and joints. This pain relief is accomplished by the reduction of pressure being placed on the central nervous system.
What to Expect When Seeing a Chiropractor
Typically, your first visit will involve an evaluation and you may be asked to describe your symptoms or what may have caused this pain. Sometimes the chiropractor may order tests and X-rays to help them better understand your condition. Once the evaluation is complete, a treatment plan will be developed. Pain management can take some time and it is recommended that you schedule several appointments over a specific period of time.
The appointments may vary in the type of pressure that is used on your back. Sometime the pressure may be abrupt or could be low in force. Sometimes, only hands are used or other times a specially designed instrument may be implemented. When developing the treatment plan, you may be given the option of adding:
- Massages
- Electrical stimulation
- Hot and cold packs
- Nutritional supplements
- Therapeutic Exercises
Speak with your chiropractor ahead of time to develop the treatment plan you’d like. The chiropractor may also suggest a change in diet and recommend some physical activity.
Getting Pain Relief
If you were hurt while at work, you may be nervous about what the future holds. Many people receive back related injuries while at work from either lifting heavy objects, slipping, falling, repetitive movements, even inactivity can cause back pain. Chiropractors understand how hindering back pain can be for your daily life. Reach out to a workers compensation lawyer Washington, D.C., residents trust as well as a chiropractor to get the help you need for your injuries.
Thanks to our friends and contributors from Cohen & Cohen, P.C., for their insight into chiropractic care after a work injury.
BY: Mid-Atlantic Spinal Rehab
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Mid-Atlantic Spinal Rehab Adds New Medical Marketing Liaison – Meet Taylor Bradshaw
Mid-Atlantic Spinal Rehab Adds New Medical Marketing Liaison – Meet Taylor Bradshaw
As my avid blog followers are already aware, I am a Baltimore Chiropractor with 5 chiropractic/rehab clinics in and around metro Baltimore. We have offices in Northwest Baltimore, Southwest Baltimore/Catonsville, Southeast Baltimore, Dundalk and Glen Burnie. In addition to treating Baltimore car accident and Baltimore worker’s compensation patients, each office is also in network with numerous health insurance companies. That is, each office accepts patients without acute traumatic injuries. We treat everyone with headaches, neck pain and back pain. In an effort to keep up with the growing demands of our rapidly expanding clinic, Mid-Atlantic Spinal Rehab added a new medical marketing liaison.
Taylor Bradshaw joined the team in order to lead the sales and marketing efforts in the medical referral community. Prior to working with Mid-Atlantic Spinal Rehab, Taylor was a medical liaison for the largest pain management group on the East Coast, working alongside five centers in the Baltimore and DC Metropolitan areas. She helped to grow and to sustain valuable relationships with medical practices ranging from primary and urgent care centers, to orthopedic surgeons and hospital systems alike. Taylor’s role as the medical marketing liaison with Mid-Atlantic Spinal Rehab is to share the benefits of chiropractic care with medical physicians and staff by educating them on the therapeutic, holistic and medical treatment options that we provide for their patients. This message is ever so important right now, given the current opioid epidemic, as Chiropractic care is a drug-free hands-on approach to pain management.
Taylor graduated from Towson University in 2013 with a degree in Public Relations and Advertising. She currently lives in Canton with her adorable rescue Dog, Camden. She enjoys the Baltimore City night life, playing on a kickball team with friends and enjoying the beach on weekends with her family.
So if you see her around the neighborhood, please say hello and welcome Taylor to the Mid-Atlantic Spinal Rehab family. We’re sure she will be a great addition to the team and we are excited to have her on board.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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Baltimore Metro Area Determined to be Least Safe Metro Area to Drive in United States
Baltimore Metro Area Determined to be Least Safe Metro Area to Drive in United States
As my avid blog followers are already aware, I am a Baltimore Chiropractor with 5 Chiropractic clinics in metro Baltimore, MD. We now offer clinics in Downtown Baltimore City (Fells Point), Northwest Baltimore City (Upper Park Heights Ave.), Southwest Baltimore (Catonsville), Dundalk (North Point Blvd), and Glen Burnie (Baltimore Annapolis Blvd.). What the Chiropractors of Mid-Atlantic Spinal Rehab & Chiropractic know and what Allstate recently confirmed is of no surprise to us – that Baltimore metro is the home of the worst drivers in the United States.
Allstate released its most recent Best Driver’s Report. It gathers data each year from over 200 metro areas across the U.S. in order to compare how many years take place between crashes, the relative crash likelihood compared to other ciities, and the number of hard breaking incidents per 1000 miles. Again, as a shock to no one, Baltimore metro ranked dead last in all of the categories. This earns Baltimore metro the dubious honor of being the least safe metro area in which to drive according to Allstate. Let’s look at the statistics: According to Allstate claimants in Baltimore report a claim every 3.8 years (most frequent in the nation) and are 163.2 percent more likely to get into a crash when compared to the national average. Baltimore driver’s also record 29.3 hard breaking incidents (slamming on breaks) per 1000 miles. But we didn’t need to see the data to know the truth: Anyone who drives on 695 knows traffic is always backed up due to an accident.
So let’s look at which cities/metro areas round out the bottom 5:
#196. Glendale California
#197. Worcester, Massachussetts
#198. Washington, DC (which makes Baltimore worse, given that this is almost in the same metro area that we are.
#199. Boston, Massachussetts
#200. Baltimore, MD
And where might be the safest places to drive according to Allstate?
#5. Madison, Wisconsin.
#4. Huntsville, Alabama.
#3. Boise, Idaho.
#2. Kansas City, Kansas
#1. Brownsville, Texas (13.6 years between claims, 26.3% less likely to have a crash compared to national average).
So what does this data tells us that we didn’t already know about Baltimore and Washington, DC? Nothing if you ask me. But then again my team and I at Mid-Atlantic Spinal Rehab & Chiropractic treat auto accident injuries such as headaches, neck pain, and back pain everyday. And we take injured patients and get them back to normal as quickly as possible so that they can return to their normal lives.
If you, or someone you know, has been injured as a result of a Baltimore, Catonsville, Dundalk, or Glen Burnie auto accident, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We’ve got your back on the road to recovery.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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Enhanced Underinsured Motorist Coverage Now Available
Enhanced Underinsured Motorist Coverage
As my avid blog followers are already aware, I am a Baltimore Chiropractor with five Baltimore Chiropractic clinics. We offer chiropractic services in Baltimore City, Catonsville, Dundalk, and Glen Burnie. We routinely treat patients with headaches, neck pain, back pain, and arm and leg pain. We use drug-free conservative measures to rehab acute injuries. Many of our patients present to us with acute whiplash pain, from having been rear-ended in Baltimore automobile accidents. We also see a lot of patients who are injured while working and require acute rehabilitation to help get them back to work. And even “regular people” and “weekend warriors” with occasional aches and pains utilize our chiropractic care and rehab services to help with their pains in order to maintain their quality of life.
As a clinic that spends a lot of our time treating acute whiplash patients who suffer with headaches, neck pain, and back pain following Baltimore auto accidents, any time there is a new law that impacts this segment of the population it tends to pique my interest. As recently as July 1, 2018 the Maryland General Assembly enacted a new law meant to to deal with automobile insurance coverage. The law mandates that auto insurers now offer “enhanced underinsurance motorist coverage” or “EUIM” coverage.
Prior to the new law, if someone was injured as a result of the negligence of another driver, they would be entitled to recover monies up to the policy limits of the adverse driver in addition to any Underinsured Motorist Coverage that they carried on their own policy. This presumes that the injuries suffered were enough to warrant the full policy limits, which in many cases, they are not. However, the amount that the injured party collected from the adverse driver’s insurance company would be subtracted out from their UIM coverage.
By way of example: Lets say an injured party is struck by a driver who had a 30k limit policy. Unfortunately for our example they suffered 150k worth of damage/injury/lost wages/pain and suffering. This person could only collect maximimally 30k from the adverse insurance and 70k from their own UIM coverage. Both insurances would be “off the hook” with 100k in policy limits tendered. The injured patient would be “short 50k” and this would go uncompensated.
As a result of the law change, EUIM coverage, if purchased, now allows for policies to be stacked whereby you can now ADD or STACK the coverage amounts when recovering as an injured party. Using the same example, a patient with 150k worth of damage can now recover 30k from the injured party and the full 100k from their own EUIM policy, bringing their total compensation to 130k, a significant amount more than the 100k they were able to recover in the first example.
In short, the new EUIM policy laws allows for injured parties and/or their legal representatives to “stack” liability and EUIM claims in order to recover more. Having treated auto accident injury patients for years in Las Vegas, NV and Baltimore, MD I can attest that most patients don’t think about auto insurance policy limits until after they’ve been injured. In the vast majority of cases, they determine that in an effort to save money they do not have access to necessary coverage for their injuries, and it is usually too late. We use this time to educate them on the coverage that they should speak to their insurance brokers about should they need it again in the future.
It goes without saying, but I will say it anyway. I am not licensed to sell automobile insurance in Maryland. Nor am I a personal injury attorney in Maryland. I am not attempting to give legal advice or insurance advice. I am just looking to educate our followers on how available and affordable this new EUIM coverage is. I recently added it to my policy and to my wife’s policy and it added about 10 dollars a month total. To me, the additional premium of $120 per year makes me feel much safer on the road should the worst happen and should one of us become injured.
If you have questions about the new EUIM law and how it applies to you, you should contact your auto insurance broker. If you have suffered headaches, neck pain, back pain, or whiplash, you should contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We have your back on the road to recovery.
Dr. Gulitz
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Summary Of Treatments at Mid-Atlantic Spinal Rehab & Chiropractic
Summary Of Treatments at Mid-Atlantic Spinal Rehab & Chiropractic
As my avid blog followers are already aware, I am a Baltimore Chiropractor with now five clinics in Metropolitan Baltimore. In addition to clinics in Northwest Baltimore (Park Heights Avenue) and Downtown Baltimore (Fells Point, Eastern Avenue), we also have clinics on Wilkens Avenue (Catonsville), Dundalk (North Point Blvd.), and in Glen Burnie (Baltimore Annapolis Boulevard). Some of the questions that keep coming up when I meet prospective patients is – what is a Chiropractor? What services do you provide in your clinics? Can you help me and my particular situation?
It made me realize that it was probably time to come up with a blog post that deals with specifically all of the therapeutic services that we provide. That way they are all located in one place and if anyone has any specific questions about a particular procedure they can ask me. So in no particular order here is a summary of the therapeutic procedures that my clinics provide:
- Initial Evaluation:
During your first visit you will receive an initial evaluation in order to determine the treatment plan that best suits your individual needs. This evaluation will include a complete history, physical examination of presenting musculoskeletal symptoms, range of motion evaluation, orthopedic evaluation, neurological examination, chiropractic examination, and x-ray evaluation if clinically indicated. At the end of the initial evaluation we will have determined your working diagnosis (what is wrong), prognosis (how likely you are to make a complete recovery), and treatment plan (what we intend to do to help you get back to normal).
- Re-Evaluation:
You will undergo a periodic re-evaluation of your condition approximately every 10-12 visits, or every 4 weeks, whichever occurs first. We will assess how well you are responding to treatment and we will make future treatment recommendations at that time. Those recommendations may include referrals for advanced imaging or for co-treatment with other specialists such as orthopedists or pain management doctors, depending on your response to treatment up to that point in care.
- Final Evaluation:
All good things must come to an end. Once it is determined that you have reached Maximum Medical Improvement (MMI) for your injuries a final evaluation will be performed. During the final evaluation your provider will determine what subjective complaints you have remaining. We will perform repeat physical evaluations, range of motion evaluations, and orthopedic evaluations. You will be released from our care with instructions on what to do if your pain or symptoms return.
- Moist Heat Packs:
One or more moist heat packs are wrapped in several layers of towel and placed on the area of complaint. Moist heat promotes healing by improving circulation. This allows muscles to become more elastic giving relief from muscle tension and spasms.
- Cold Packs:
One or more cold packs are wrapped in a towel and placed on the area of complaint. Cold packs reduce inflammation and swelling that occur following an injury.
- Electrical Muscle Stimulation:
Electrodes are placed on the skin by a professional who increases the muscle stimulation to the patient’s tolerance. This therapy improves circulation and decreases inflammation treating muscle pain and spasm. The electric muscle stimulation therapy also helps to “trick the brain” by overriding its pain signals with low voltage, thus helping reduce pain.
- Mechanical Traction Table (Roller Table):
Patient is placed face up on an intersegmental traction table while a mechanism applies pressure to different regions of the spine. This therapy induces passive motion to the spinal joints thus increasing the flexibility of the spine and promoting healing. Each joint segment (where two spinal vertebrae connect) is stretched using the patient’s body weight and a rolling lever to passively separate joint articulations one-by-one from the neck all the way to the lower back.
- Ultrasound:
Professional applies the ultrasound using an applicator and a water-based gel to the area of complaint. Ultrasound generates heat using sound waves that can penetrate deeper into the musculature then a moist heat pack. This form of deep heat increases blood flow and promotes healing. This treatment is used very commonly with swollen joints to help reduce joint swelling (edema). We often also use ultrasound on very bony joints (i.e. wrists, hands, ankles, feet) where the application of heat may be less appropriate.
- Therapeutic Exercises:
Professional will instruct the patient on various exercises to be performed. The professional will increase the duration, repetitions and difficulty depending on individual patient need. This type of exercise helps to increase range of motion and promotes muscle healing. It also facilitates the patients return normal activities of daily living. Therapeutic exercises can be performed either in an individual (one-on-one) or group setting.
- Massage Therapy:
The chiropractor will use his/her hands and/or a series of tools that uses vibration to massage the tissues that require treatment. This therapy causes relaxation of the muscles, increased blood flow and softens muscle adhesions promoting healing of the injured areas. Massage therapy is directed to the soft tissues (muscles, tendons, ligaments, etc.) rather than to the spinal joints.
- Manual Therapy:
The chiropractor will use his/her hands or a series of tools to apply focused pressure to stretch tight and tender muscle fibers. This procedure includes manual traction therapy and myofascial release treatment. The goal of this treatment is to increase a pain free range of motion and to facilitate a return to functional activities. Manual therapy is directed to the soft tissues (muscles, tendons, ligaments, etc.) rather than to the spinal joints.
- Chiropractic Spinal Manipulation Therapy:
The chiropractor will use his/her hands or an adjusting instrument to impart a controlled force to a joint resulting in mobilization or manipulation of that joint. Inducing motion into a joint increases range of motion and improves tissue circulation promoting healing. Chiropractic manipulation ranges in intensity from spinal mobilization (passively moving joints to their end range of motion as performed by a Chiropractor’s hands), to instrument assisted mobilization (using tools to tap the vertebrae to induce spinal motion), to drop techniques (utilizing momentum from a table to drop out beneath a joint) to high velocity low amplitude spinal manipulation (the traditional joint manipulation most people associate with chiropractic manipulation). It is very important to note that not all patients have spinal conditions which indicate traditional spinal manipulation, and as such, the providers may need to utilize alternative and less invasive techniques to impart the desired spinal mobilization/manipulation indicated for a particular patient. In short, we will impart spinal mobilization/manipulation beginning will less invasive and working towards more invasive techniques as clinically indicated and as tolerated.
I recognize that this is a fairly long list. So if you require further explanation let us know and one of the many chiropractors and support staff at Mid-Atlantic Spinal Rehab & Chiropractic would be happy to help you.
Dr. Gulitz
BY: Mid-Atlantic Spinal Rehab
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