About Bennie 719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. Also thoroughly familar with claims handling procedures. Will not be able to quote rates because I took an early retirement. I still maintain a valid California Property/Casualty Agent/Broker license.
Experience Experience in the area: I have been answering questions at allexperts.com since 2002 in the catagory of "Property & Casualty Insurance". Licensed in California since 1961, first in Life/Health for 3 years and as a Property/Casualty Agent/Broker since 1964. Retired at age 58, but still complete my 30 hours of continuing education every two years in order to keep renewing my license.
Question Since authorizations for certain tests can not be obtained prior to 10 days of an accident, can a doctor send a patient(X-rays or mri's) to a diagnostic facility within 10 days of the date of accident and be paid?
Answer Hi Chyrl,
I have never seen such a clause in the legal wording of any auto medical payment coverage,
but it is quiet common in a health policy, especially one through a HMO which also will
require that the diagnostic tests be done at one of the facilities of the HMO.
In order for coverage to apply, you must follow the terms spelled out in the legal
wording of your policy.
