Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always consult a qualified attorney about your situation.
Detailed Answer
Understanding Continuity of Care
Continuity of care means you steadily follow a treatment plan after a motor vehicle collision. Medical records showing regular visits and consistent treatment strengthen your injury claim. They prevent insurers or opposing counsel from arguing that your injuries stem from a different event or worsened due to gaps in treatment.
Why It Matters in Pennsylvania
Pennsylvania follows a contributory negligence rule under 42 Pa.C.S. § 7102. Even a minor fault can bar you from recovery. Maintaining clear, continuous medical treatment records helps show you acted responsibly and did not aggravate your injuries through inaction.
Key Steps to Maintain Continuity of Care
- Seek Immediate Medical Evaluation. See an emergency physician or urgent care provider minutes or hours after the accident. Early documentation creates a direct link between the crash and your injuries.
- Follow the Prescribed Treatment Plan. If your doctor prescribes physical therapy, chiropractic care, or specialist visits, attend every appointment. Gaps can undermine your claim by suggesting you recovered or the injury was minor.
- Keep Consistent Providers. When possible, use the same primary doctor or clinic. Consistency deepens the medical record narrative and eliminates disputes about differing diagnoses or treatment philosophies.
- Document Every Appointment. Request itemized records, notes, diagnostic images and receipts. Store them in a secure folder—digital or physical—to share with your attorney and insurer.
- Notify Insurer Promptly. Under Pennsylvania’s Personal Injury Protection (PIP) rules (75 Pa.C.S. § 1711), file your claim within 30 days. Timely PIP benefits cover up to 80% of reasonable medical expenses and lost wages.
- Obtain Referrals Correctly. If your primary physician recommends an orthopedist or neurologist, get a formal referral. Insurers may deny coverage for unapproved specialists.
- Report New Symptoms Immediately. Pain that shifts locations or worsens can reflect therapy adjustments. Tell your medical team about any new issues so they appear in your ongoing care notes.
Helpful Hints
- Keep a post-accident journal: record pain levels, daily limitations, and doctor instructions.
- Bring an advocate: a friend or family member can note details you might forget during appointments.
- Know your policy: review your auto insurance declarations to confirm PIP coverage limits and deadlines.
- Save all correspondence: insurer letters, emails and billing statements help track claim progress.
- Ask for itemized bills: detailed invoices show procedure dates and provider names, reinforcing care continuity.
- Get legal help early: an attorney can guide you through medical authorization forms and insurer negotiations.