Personal injury after collision on motorcycle

Questioner

Three months ago I was hit by a car that was not my fault. The other party was driving a car, I was on a motorcycle. The material damage has been settled, but there is still an injury claim pending. The injury in question is a dislocated elbow joint for which I am receiving physiotherapy treatments. My insurance says that I must first use up the treatments from my health insurance package. The treating physiotherapist says that this is incorrect, given that I am a chronic back patient. For example: I am currently using up all the treatment from my health insurance for my elbow and in December I will hurt my back, so I will have to pay for the treatments for my back myself. How does this work and should I contact a personal injury lawyer for this? How is it possible that I first have to use up my physio package for treatments after a collision? Yours sincerely,

Lawyer

Thank you for asking your question. If liability is acknowledged, the insurer must compensate you for the damage resulting from the accident. This also applies to the costs of physiotherapy. However, you also have a 'damage limitation obligation'. In this context, the question is whether it is reasonable for you to first use up the treatments from your health insurance package before the treatments are reimbursed. In my opinion, this is not reasonable. There is a real chance that you will use up the treatments from your health insurance package in connection with your back complaints. As a result, you may have to reimburse part of your damage yourself. That cannot and should not be the intention. It is advisable to contact a personal injury lawyer. They can advise you further and possibly help you in the discussion with the insurer. You can contact me for this without obligation and free of charge via 033-3037947. I will be happy to speak to you.