My Health Insurer Doesn’t Pay Chiropractic, What do I do?

chiroIf you’ve been injured an an automobile accident, and require chiropractic treatment, you may find that your health insurer offers limited or no coverage for chiropractic care. However, this does not mean that you cannot get the care that you need. In Massachusetts, Personal Injury Protection (PIP) benefits are available through your car insurer to pay for chiropractic visits, copayments, and other medical expenses that your health insurer may not cover.

At KPDM Law LLC, we work with your health providers to make sure that your medical bills are properly addressed, and that you can get the care that you need. If you’ve been injured in an automobile accident, contact us at 617-804-5736 for a free consultation.

In an car accident in Rhode Island, who pays my medical bills?

ricaraccidentIn Rhode Island, all motorists are required to carry Medical Payments coverage. Medical Payments coverage, or MedPay, will pay for your medical bills if you are injured. However, if you have health insurance, your health insurance will typically pay your medical bills, which means MedPay and health insurance in Rhode Island often overlap. However, MedPay can be used to pay things that your health insurance may not cover, such as copayments.

If MedPay does pay for part of your medical bills, the MedPay carrier has the right to be reimbursed out of any personal injury recovery you obtain from a third party who caused your injuries. That means if you get a personal injury settlement, you have to pay back MedPay for your medical bills. Typically, the same rule applies to your health insurer as well.

It is important to retain competent, experienced representation when dealing with automobile accident injuries to ensure that your medical bills are properly addressed. Furthermore, an experienced attorney will help you achieve the maximum recovery by negotiating with your MedPay insurer and your health insurer to reduce the amount you have to pay back.

If you’ve been injured an an automobile accident in Rhode Island, please contact KPDM Law, LLC today at 617-804-5736.

Attorney Kevin DeMello Offers Expertise in Personal Injury, Real Estate, and Business Law

portraitAfter announcing the launch of my new law firm, KPDM Law, LLC, I have received a great outpouring of support from clients, friends, and family. I thank you all for your support. I have been asked frequently why my firm specializes in the areas of personal injury, real estate, and business law. The answer is that these are all areas that I have developed expertise in my ten-plus years of practice.

In the personal injury area, I have represented hundreds of people who were injured as a result of another’s negligence. These cases include car and truck accidents, slip and fall, construction site and industrial accidents. I have represented clients at the highest levels, including before the Massachusetts and Rhode Island Superior Courts, and appeals courts. Please click on the representative cases link on my web site for examples, but I have achieved results for my clients that include six and seven figure settlements and awards.

For the past two years, I have represented banks and fortune 500 companies in real estate litigation and transactions involving residential mortgages, purchases, and sales. I have expertise in foreclosure defense, mortgage law, title issues, and all manner of residential and commercial real estate disputes. I represent both people and businesses in real estate matters ranging from closings to leasing, title problems, and property disputes.

Given my experience representing people and businesses in complex civil litigation, I have a unique perspective that I can draw on to advise small and medium-sized businesses in issues such as leases, contracts, corporate, and employment issues. I have represented both plaintiffs and defendants in Massachusetts and Rhode Island consumer protection violations, employment matters, and contract disputes. I bring this expertise to my business clients to help them navigate the complex waters of the business legal landscape.

Again, thanks for your support, and I look forward to helping you if you ever have need of my services.

Grand Opening of KPDM Law LLC, a Personal Injury, Real Estate, and Business Law Firm

kpdm law blue bgKPDM Law, LLC is a law firm founded on the concept that the client’s interest, not billable hours or settlement numbers, comes first. What matters to you, matters to us. While our firm believes that putting our client’s interests first is the best way for us to grow as a firm, we also believe that it is the right thing to do. 

My name is Kevin DeMello, and I founded KPDM Law, LLC. I am an attorney with over a decade of experience in the practice of law in Massachusetts and Rhode Island. I have led litigation teams in high-stakes litigation in matters involving personal injury, real estate, and business litigation. Take a look at these representative cases for some examples of the results I have obtained for my clients.

I became an attorney because I wanted to help people. For that reason, integrity is the foundation of my practice. When I take on a case, my commitment is to do everything in my power to advance your cause. If you have been injured in an accident, have a real estate issue, or just need legal advice, please call me. I would love to help.

The Importance of Hiring an Attorney As Soon As Possible After An Automobile Accident

car-accident-2Retaining an attorney following an automobile accident is something an injured party should do as quickly as possible. An experienced attorney will move quickly to investigate the facts and circumstances of the accident. Evidence, like skid marks and debris at the scene, can quickly deteriorate, so getting to the scene to observe and take photographs quickly can be critical. There are also important issues that need to be addressed soon after an accident that can have an important impact on the case.

Massachusetts law requires a person who was operating a motor vehicle involved in an accident in which any person was injured to file an operator’s report with the Department of Motor Vehicles within five days. See G.L. c. 90 s. 26. If you have been injured in a car accident, this operator’s report becomes a critical document that can and will be used against a claimant by insurance companies and defense lawyers. It is therefore extremely important to consult with an attorney experienced in handling automobile accident cases before completing and sending in this report.

Apart from the legal and insurance issues, retaining an attorney as quickly as possible can save the stress and headaches associated with the process of filing a claim.

Recent Department of Industrial Accidents Decision Highlights Delays in System and Underscores Advantages of Settlement

Decisions in Workers Compensation cases, per state law, are supposed to be issued by the judge within 28 days of the hearing. Despite this clear rule outlined in Massachusetts General Laws c. 152 s. 11, however, judges in the Department of Industrial Accidents, which is responsible for hearing workers compensation cases, often do not issue their decisions for six months to a year following the hearing.

In a recent case just decided by the Department of Industrial Accidents, In Re: Albert Mancini, the judge took over three years to issue his decision. For most people, waiting three years post-hearing, while benefits are dwindling or unavailable, is just not practical. While both parties in the Mancini case complained about the delay in issuing the decision, the statute provided no remedy to either party for the delay. While the Department acknowledged the problems created by the delay, such acknowledgment was little comfort to the parties who waited three years for a decision on the merits of the case.

While parties often want their day in court, often times a settlement is the more practical means of resolving workers compensation and personal injury matters. Even if a party is successful at trial, the other party can appeal and further delay a ruling. Though a settlement may be less gratifying than a judge’s or jury’s award, a settlement typically means immediate compensation for the injured party and a timely resolution to the case.