How Can I Receive Treatment Following a Hit And Run Accident In Baltimore?

How Can I Receive Treatment Following a Hit And Run Accident In Baltimore?

As a Baltimore Chiropractor that spends the majority of my time treating whiplash patients in Baltimore, I have seen just about every type of scenario unfold when it comes to crashes. Typically speaking, if you are stopped at a red light, struck by another vehicle, and injured, it is ultimately the responsibility of the insurance company of the car that struck you to pay to fix your car, fix your body (medical expenses), pay for future medical needs if any, and to pay for pain and suffering (if any).

But what happens in the cases of hit and run accidents? We’ve all seen them on television. Maybe a drunk driver who has had a few too many drinks hits the bumper of a vehicle on the way home from the bar. Nervous that they may get a ticket or arrested for DUI they leave the scene of the crime without calling the police, and they leave the passengers of the car injured and alone. Obviously hit and run accidents in Baltimore do not always occur with intoxicated individuals. Sometimes drivers simply have not been carrying insurance and are too afraid to stop to report the collision, for fear of not having the money to pay to repair the vehicle.

In these instances where there is a hit and run (that is, one vehicle hits another and then does not exchange insurance information) there is auto insurance coverage available to injured parties in Baltimore. The type of coverage is referred to as uninsured motorist coverage, or UM coverage for short. This insurance is carried by every driver that has insurance and is mandatory under Maryland law. Vehicle drivers can purchase auto insurance limits up to, but not exceeding, the limits that they carry for liability.

For example, lets say I am driving a vehicle. I may be carrying 100k/300k limits of liability. I have to carry some uninsured motorist coverage (UM) by law. I may elect to carry limits that are 50k/100k, or, I can choose to purchase limits equal to, but not exceeding, my liability coverage, of 100k/300k.

In this example, if I am struck by a hit and run driver, If I elected to pruchase UM of 100k/300k, I would have access of up to 100k limits for my personal injuries, and up to 300k for the crash if there were other occupants in the vehicle with me.

I am not an auto insurance salesman in the state of Maryland. I can not give advice on how much insurance to buy. But most prudent people will maximize the amount of UM that they purchase in order to protect themselves in cases of hit and run accidents in Baltimore.

In addition to making a claim against your own insurance company for UM coverage, you can also make a PIP claim to pay for bodily injury and wage loss while treating.

Just like PIP, filing a UM claim in a non-fault accident can not raise your auto insurance rates.

Many people mistakenly believe that if they have been vicitimized and injured in cases of a hit and run in Baltimore that they do not have coverage available for them to receive treatment for their injuries. This is not the case, as I have described that both PIP and UM coverage will cover hit and run victims.

If you, or someone you know, has been injured as a result of a hit and run Baltimore auto accident, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We would be happy to help!

Dr. Gulitz

Can Social Media Updates Ruin A Baltimore Personal Injury (Baltimore Auto Accident) Claim?

As most of my followers and readers are aware, I am a Baltimore Chiropractor that spends about half my time treating Baltimore auto accident injury patients. My patients typically present with post-traumatic headaches, neck pain, back pain, numbness and tingling into the arm, and numbness and tingling into the leg. Clearly these Baltimore auto accident injuries are not limited to these complaints, but these are the typical complaints that we see.

Back when I started as a Chiropractor in Las Vegas, NV in 2009 social media was in its infancy. Facebook was around and that was about it. I used to have patients ask me if I thought insurance companies were hiring private investigators to follow them and film them while they were treating for their auto accident injuries. I would tell them that I didn’t know and that it was my job to treat them for their injuries, and not to worry about who is watching them. I’ll admit that I did treat a few very high profile patients (heads of industry with severe brain trauma) that I am sure were being recorded by these defense insurance companies. By in large, although the insurance companies reserve the right to do this, they do not waste their time and resources on the vast majority of claimants (patients).

As the years have gone on and I moved my practice to Baltimore to treat auto accident injuries, I have seen a shift in increased personal injury case problems caused by the injured patients themselves. That is, as social media acceptance and penetration into our lives has increased, so have the number of personal injury auto accident claim denials.

Here’s how it usually works. A person is sitting at a stop sign. The driver behind them is texting or fumbling with their phone and before they know it, they rear-end the driver in front of them. The driver in front develops some neck and back spasms and presents for care within a few days of injury.

Before they present for care they “brag complain” on Facebook. The post looks something like this “I was rear-ended today luckily I’m not seriously hurt”. This is followed by tons of likes and shares and well wishes. This type of post is the dream of a defense insurance company, because they will find it and use it against the claimant if they come forward claiming injuries down the line.

Maybe a few days pass and the minor back spasms get worse. Or the patient develops numbness, tingling, or weakness down an arm. They either contact a personal injury attorney that refers the client to my office, or they find out organically on Google or Yelp.

We begin a standard course of treatment that involves passive and active modalities as well as spinal mobilization and manipulation. As several weeks pass the patient feels better until he or she eventually reaches maximum medical improvement. Now, of course, the entire time they are in my office they are posting selfies, updates, tweets, and snap chats about how they feel, how they are progressing with therapy, and how well their life is going. Maybe they are showing themselves partying with friends on the weekends while they are in care, or goofing around on some playground equipment on a weekend.

When that injured claimant then turns around and either submits their medical bills and records to the adverse insurance company on their own behalf or if an attorney does it for them, they are met with a denial. The claims adjuster has simply googles the injured claimant and found access to all of their social media accounts. They have plenty of updates, quotes, pictures and other forms of self-incriminating evidence to suggest that the patient was either not-injured or was less injured than they were lead to believe.

I have seen it hundreds of times. I typically recommend that patients, with or without legal representation, turn off or severely limit access to their social media accounts while they are actively treating and while their case is pending. I assure them that rather than worrying about the insurance company following them and spying on them, that the insurance companies now depend on patients to expose themselves with inconsistencies.

I know that it is hard to limit the over-sharing of our lives, but please, do yourself a favor. If you are injured in a Baltimore auto accident and are treating for your injuries, please do not post to twitter, facebook, snapchat, or any other social media sharing sites regarding the extent of your injuries. Anything you say will be used against you and you will wish you did not share your feelings on the matter. I recommend that you allow your treating Chiropractors, doctors, and professional representatives guide you through the process.

If you have been injured in a Baltimore auto accident, please disable your social media sites such as Facebook, twitter, and snapchat and then contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We would be happy to help!

Dr. Gulitz

Will Self-Driving Vehicles Lead To The End of Auto Accidents?

We have all seen the futuristic films depicting cars that drive themselves. In these utopian societies no one has to own a car or pay for insurance. Instead, they just hail a cab when they need one and pay per trip. The driver understands their input and takes them wherever they want to go. Actually, the more I say it outloud, the more it seems like the future is here with ride-share applications such as Uber and Lyft. In my last blog post I discussed the tricky insurance situations that come into play depending on where in a “ride cycle” a driver and passenger find themselves. Check it out if you haven’t already, because you may be surprised that the vehicle you are traveling in is not properly insured if a driver is using his personal auto insurance in a commercial ride share situation.

Google and other technology giants have been rolling out a different type of solution to congested roads – autonomous, or self-driving vehicles. They equip their cars (still in test mode) with dozens of cameras. Equipped with google maps, cameras, and engineering intuition these vehicles interact with the world around them in real-time. This allows for the vehicle to drive itself without human input. I’m not going to act like this isn’t insanely impressive. It is. The question, of course, is will self-driving vehicle lead to the end of auto accidents, and therefore, auto accident injuries as we know it?

I doubt it. On Valentine’s Day the first self-driving car caused a crash in San Francisco after striking a bus. You can read more about the incident here. While there have already been a few reported auto accidents involving Google’s self driving vehicles, it is the first one caused by the autonomous vehicle. In the past, the google vehicle was struck by various human drivers due to human errors.

In this instance the google vehicle stopped in a right lane. It sensed some sandbags near a storm drain and decided to hug the right side of the road. In so doing several other vehicles behind the google car drove past. The google algorithm calculated that a large bus would allow the google car back into its lane. But it was wrong. As the google vehicle attempted to merge back into traffic its front driver’s side (where the driver would be if the vehicle was not autonomous) struck the right side of the bus and bumped it at about 2 mph.

Google analyzed the data and determined that both the autonomous vehicle and the bus were at fault. The bus probably assumed that the google vehicle would stay where it was and the google mathematical assumptions thought that the bus would let it merge into the lane.

So what does this teach us? Whether it is human decision making or computerized assumptions, accidents, and therefore, injuries are always a probability. Google admits that it does not expect its vehicles to be perfect, but it does hope and expect to reduce the number of auto accident collision and injuries in the future.

Even if these vehicles were perfect in predicting behavior, it would take a very long time, perhaps generations, before humans voluntarily give up the thrill of driving and allow autonomous machines to take over. I expect there will be auto accident and auto accident injuries for many generations to come.

If you, or someone you know, has been involved in a Baltimore auto accident injury, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We would be happy to help!

Dr. Gulitz

Ridesharing Apps like Uber and Lyft – Where’s the Insurance?

As a Baltimore Chiropractor that spends the majority of my work day treating auto accident injuries resulting from car crashes in Baltimore, I am starting to see a trend of more crashes involving passengers and drivers utilizing rideshare apps such as Uber and Lyft. I suspect this is due to more to the increased numbers of these cars on the road than it is due to the driving habits of these drivers.

We’ve all used them at one time or another. You take out your phone, summon a vehicle, it picks you up and takes you to your destination. All of this occurs without having to carry cash or without having to tip. It’s super convenient, easy and fun.

Some ride share drivers and occupants are not so lucky, however. As the saying goes accidents will happen and sometimes they do. Increasingly over the past year I have been treating patients that have been involved in accidents where they are passengers in these rideshare vehicles at the moment of impact. The question then becomes – who is ultimately responsible to pay for an injured occupant’s medical bills following a crash?

Insurance coverage is an ever-evolving industry and rideshare applications add a bit of wrinkle to traditional auto insurance. The typical private auto insurance that we purchase (from StateFarm, Geico, Traveller’s, All State, etc.) only covers drivers and their passengers during routine trips, not during a situation that is technically a commercial ride. That is, they do not cover private drivers that are driving other individuals for money. There is an entirely other form of auto insurance, commercial auto insurance, that is available for that use. As you might expect, commercial auto insurance is vastly more expensive than is private auto insurance. Many drivers for uber may be unknowningly driving you around in their vehicles and may technically be UNINSURED if they get into a crash with you as an occupant.

Uber recently released an infographic that explains which insurance company is “on the hook” to pay for injuries and damages and it depends on where the driver is in the “life cycle” of a ride.

a) Driver is offline. His or her private auto insurance is liable for injuries and damages.

b) Driver is online but has not yet accepted a ride. Uber provides $50k/$100k/$25k limits.

c) Driver accepts a ride and is “en route.” Uber’s limits of liability skyrock to $1M liability and $1M UM/UIM.

d) Driver picks up passenger and ultimately drops them off at their destination. The same $1M limits of liability are in play.

And for those avid readers of my blog that know how important PIP (personal injury protection) coverage is to your policy you will be happy to hear that PIP is a benefit that Uber does offer in Maryland. If you want to be extra safe and to make sure that you are always covered, there is nothing wrong with beefing up your personal PIP coverage, since you may remember that it travels with you regardless of whose care you find yourself in at the time of a crash.

Auto insurance and who is ultimately liable to pay for injuries is a tricky subject. I hope that this information has helped you determine where there may be some insurance money to pay for your care should you be so unlucky as to have been injured by or in an uber or lyft vehicle.

If you have been injured by a rideshare vehicle such as an uber, please contact Mid-Atlantic Spinal Rehab & Chiropractic. We would be happy to get you started on the road to recovery.

Dr. Gulitz

Baltimore Light Rail Injury – Car Insurance Paid For Patient’s Treatment

As many of my avid blog post readers are aware, I am a Chiropractor in Baltimore that spends the majority of my time treating Baltimore auto accident clients. These clients typically present with some combination of acute post-traumatic headaches, neck pain, radiating arm pain, mid back pain, lower back pain, and/or radiating leg pain associated with their Baltimore auto accident injuries.

As I have discussed in several past blog post, in addition to auto accidents there are several other types of personal injuries that I treat, albeit on a much less frequent basis. These are slip and fall injuries, worker’s compensation injuries, truck injuries, motorcycle injuries, pedestrian injuries (hit by a car in a cross walk), bus occupant injuries, and light rail injuries. In each of these different types of Baltimore personal injuries there are different types of injuries as we can also see shoulder, elbow, wrist, hand, hip, knee, and ankle/feet injuries as well. That is, typically, the personal injuries that are not “straight forward” auto accidents usually present with more complex injury patterns depending on how a patient was positioned prior to their injury taking place.

I had a patient come into the office this week after being referred to me by a local pain management physician. The patient was involved in a Light Rail vs. motor vehicle collision injury just under a year ago, in about Mid March of 2015. According to the patient, a large SUV T-boned the light rail car she was riding in, causing the patient to develop headaches, neck pain, mid back pain, and lower back pain. The patient was evaluated at a local ER that evening was told to follow up in a week if her condition did not improve. About a week later she presented to a different ER with worsening symptoms. She was told to use ice and that “it would get better on its own.” She resumed working with her spinal pain and found herself less and less productive since sitting and standing were painful and her neck bothered her while working on the computer.

Her employer sent her to Concentra Urgent care for some PT/massage about four or five times over the next several months but nothing helped her headaches, neck, and back pain. She admits that she wanted to seek some professional Chiropractic therapy to see if it could help her, but she did not have private health insurance and she was afraid that she could not afford the treatment.

After being referred to me by a local physician, I had my staff ask her the usual questions. While it is true that since she was a passenger on the light rail she was not entitled to PIP benefits under the insurance of this municipality, my staff asked her if she had an automobile insured and registered in Maryland during the time of her injury. As it turns out, she did. She had a GEICO insurance policy that was “active” at the time of the crash. This is where the cool part of the story comes in.

My staff informed the patient that if she called GEICO and opened a PIP claim under her auto policy it would cover her Light rail injuries, because PIP is like a small umbrella that you carry with you to pay for medical expenses regardless of which type of personal injury you may sustain.

The important part of this story is the timeline. Her injury was sustained in Mid March 2015, and it was now early March, or about two weeks shy of the one year mark of the injury. According to Maryland law you only have ONE YEAR to file a PIP claim if you intend to receive benefits, although you can utilize those benefits for up to three years. We had the patient contact GEICO just two weeks before her ability to file would have expired and she was granted access to up to $2,500 in money for her chiropractic care and lost wages for that injury. Suffice it to say she was ELATED that she had access to funds for treatment.

The patient began treatment and is beginning to show improvements in terms of pain frequency and she is working with less discomfort.

In addition to providing effective and affordable care, we pride ourselves with understanding complex issues surrounding personal injuries such as Baltimore auto accidents and Baltimore light rail injuries. My staff can help ask prospective patients a series of questions to determine if there may be extra funds available to them to help limit, or in some cases, completely eliminate a need to pay out of pocket for their injuries. If you, or someone you know, has suffered a personal injury in Baltimore and require treatment, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We would be happy to help!

Dr. Gulitz