Adding insult and injury to injury

Many of you know Cheryl was in a car accident a while back. A few of you know about the mess physical therapy made of her injuries. Only Cheryl and I know about our most recent adverures in the mysterious world of insurance, so I gatthered up all my frustration and this post was born.

Way to grab you readers, eh?

A month back Cheryl went for another opinion, seeking to avoid immediate surgery. This opinion not only said the first was a bit rash, but the physical therapy she’d been getting was a textbook example of what NOT to do in her condition, likely making her pain worse.

It goes without saying we didn’t go back to that first therapist. The new doctor had her assistant make an appointment with a new therapist on the spot, while Cheryl was watching. With her mother as witness (hearsay though it may be), the assistant asked “you do take AvMed, right?” (We’re rapidly approaching the limits of our auto coverage.) The answer was allegedly yes, so she made the appointment.

That’s where the really cool part of this story begins.

Two weeks later we got a bill from the first therapist, “reminding” us they didn’t take AvMed, and we’d be responsible for approximately x amount after we reached our auto insurance limit. I didn’t mention this, but Cheryl asked if they took AvMed before going there. If you’re keeping score at home, that’s one aggravated injury and one false representation.

Then Cheryl has her first appointment with the new therapist, and has a wonderfull run of sessions. Then a new therapist takes over (at the same office), and Cheryl’s back in agony. It turns out the new gal isn’t big on chart reading. THEN, Cheryl meets with the receptionist, and she tells her they don’t take AvMed, and reminds her we’re running out of auto coverage.

Score – two injury aggravations and two false representations.

I’m no attorney, but I wonder if we should offer to forget any thoughts of civil liability for her condition if they’ll forget about the bills.