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As stated in Part I of this series, many insurance carriers attempt to minimize services chiropractors perform. While there are many reasons that the insurance carriers would make such an assertion, the principal reason is that when chiropractors provide care and treatment to those who suffer injury as a result of someone else’s negligence, many of the services physicians and surgeons would deny these individuals, chiropractors will work closely with them to both provide the care they are able to provide and coordinate care with physicians and surgeons willing to assist in the co-management of such cases.

Your lawsuit loan has a much greater chance of being granted if your case actually has demonstrable damages and losses. Settlement funding is unlikely if your physician denies that the event on which your claim is predicated even occurred, let alone documents injuries and losses attributed thereto.

Management of such cases is greatly enhanced if chiropractors experienced and knowledgeable accept your case, providing tremendous value to you, your attorney, and the lender.

When the mechanism by which your injuries occurred is not mentioned in your medical record, it is very difficult to establish the extent of injuries sustained. Options available to your attorney are limited. Once you are aware of this omission, there is little you can do to change the record. This situation’s frequent occurrence has one, and only one, reason. Negligence in which someone else (viz., a third-party) engages, and from which injuries and losses are produced, are not covered by most insurance policies.

Physicians do not acknowledge the third-party’s role in causing your injuries to avoid performing non-covered services. Insurance carriers often deny that you suffered an injury or loss, relying on your physician’s medical record.

The injuries you sustained and for which you are awaiting a lawsuit loan, as we discussed in Part I, are frequently conditions in which chiropractors receive extensive training, enabling them to very effectively evaluate, diagnose, and treat them. Your ability to obtain settlement funding will certainly increase when both the nature and extent of your injuries are clearly identified.