Canada: Okanagan woman fights for prompt insurance payout after serious overseas accident - - PressFrom - Canada
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Canada Okanagan woman fights for prompt insurance payout after serious overseas accident

10:50  02 december  2019
10:50  02 december  2019 Source:   globalnews.ca

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Accidents can happen to anybody, but is personal accident insurance something you really need, or is it another way for insurers to prey on your fears? Life insurance is broader in coverage, as it offers a payout if you die or become disabled for any reason (except those that are excluded in the policy).

Your accident claim will be covered regardless of what you decide to do with your policy. Having your claim paid in a timely manner isn’t the only thing you have to worry about. Here are some of the consequences that you should be aware of before you cancel your insurance after an accident

(Warning: Story contains graphic descriptions that may be disturbing to some users. Caution advised.)

A Lake Country woman said she went into shock immediately after she was in a severe accident in Indonesia, but it was the pain that followed while she was waiting in the emergency room for her insurance coverage to kick in that was most agonizing.

Brittany Roth was exploring a small island near Bali on the back of a scooter when the road made a sharp turn.

“My left knee clipped a jagged rock wall and tore me off the bike," she said.

Brittany said she looked down and saw an exposed kneecap, a foot that was ripped open and her leg covered in blood.

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Car accident insurance settlements are generally not taxable, although there are certain exceptions, according to the Internal Revenue Service (IRS). If you receive a settlement for personal physical injuries or physical sickness and did not take an itemized deduction for medical expenses related to

You can submit a car accident claim immediately after a collision occurs, but you will want to wait until you receive medical treatment before asking for lost wages. When physical injury from a car accident occurs, insurance adjusters will need an adequate amount of time to perform a full investigation.

“I looked at my friend and I said, ‘We have to call travel insurance now’,” she said. “I know you have to call the insurance company before you make a claim or it's void.”

READ MORE: With no travel insurance, B.C. family struggles to bring injured father home from Thailand

An ambulance then rushed her to a local medical clinic, but her injuries were too severe for staff to treat.

Brittany said she was told she needed to catch a boat back to the main island before sundown.

But despite her insurance coverage, she had to pay up first.

“The way that it works in Bali unfortunately, is the care is really, really good, but until you can pay the bill, you don't get treatment,” Brittany said. “So they said, 'we need a credit card now or you're on your own for the night.'”

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Insurance companies are only obligated to pay for “reasonable and necessary” injury treatment bills. Beware of “ accident doctors” who run repeated tests or order questionable therapy, just to run up your medical bills for the insurance company.

After a car accident , you'll want to notify your insurance company. This form says that if your insurance company pays you any compensation under your own policy, the company then has the right to recover that money from whoever was responsible for the accident .

Her travelling companion called Brittany’s sister Brooke Roth in the middle of the night in Canada, asking for her credit card number.

“My sister said it was terrifying receiving the call, hearing me screaming in the background. She thought I was getting kidnapped, she didn’t know why I needed a credit card,” Brittany said.

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Brooke said she tried to stay calm as she learned the details.

“I woke up out of a dead sleep to my sister’s best friend saying that it was an emergency, Britt's been seriously injured, and we need $3,500 right away,” Brooke said.

Brooke paid the bill, and Brittany was put on a spine board for transport to Bali.

Some locals and her travelling companion carried Brittany to the waiting boat.

“They had to go down really, really steep concrete stairs to get to the beach, and then they had to walk through the ocean, knee-deep through water to get me to this boat,” Brittany said.

With no travel insurance, B.C. family struggles to bring injured father home from Thailand

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The insurance industry’s basic model is designed to maximize profits by minimizing payouts . Insurance companies are swift with closing the books after a payment, but slow or uncooperative if your injuries or extensive car damage surface later on. They fight hard to protect your rights, and to

“And it was a full moon so the waves were crazy.”

When the 20-year-old arrived at the hospital in Bali, still in a bathing suit, she was met with another bill -- this one for $12,000.

“I was there for about four hours,” Brittany said. “They had said, ‘Unless we receive payment in 15 minutes, I'm sorry, we have to let you go. We can't keep you here anymore’.”

READ MORE: Study shows Canadians still confused over travel insurance

“We were terrified thinking that we might be on the street,” Brittany said. “I don't know what to do with my leg. I can't walk. I'm bleeding.”

Meanwhile, back in Canada, Brooke was in a bureaucratic battle with the insurance company.

“It was really frustrating. We had the approval right in front of us, but it took them so long to send the confirmation to the hospital,” she said.

After hours on the phone, confirmation finally went through, and Brittany successfully underwent surgery.

She received 38 stitches, has a torn tendon and is now moving around with crutches.

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The sisters are still waiting for their $3,500 back, and Brittany is out-of-pocket the expense of flying home unexpectedly.

Friends have started a Go Fund Me campaign to help Brittany recover some of her costs.

The travel insurance company could not be reached on Sunday for comment.

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