Road traffic accidents happen every day and unfortunately not everyone gets out with just a few paint scratches on their vehicle. If you have been injured in a road accident through no fault of your own, you are entitled to compensation for pain and suffering as well as reimbursement of your medical treatment costs. These are part of the compensation to which the injured party is entitled after a road traffic accident. If you as the injured party are dependent on medical assistance as a result of the accident, the party responsible for the accident must bear the resulting costs. We explain what else you should know about this here.
Requirements for your reimbursement of medical treatment costs
If you are an accident victim and require medical care after an accident, the resulting costs are called medical treatment costs. The prerequisite for any reimbursement of medical treatment costs is that the accident has demonstrably led to bodily injury.
Are you unable to assess whether you fulfil the requirements for reimbursement of medical treatment costs? No problem! We can help you. After you have entered your accident in the portal for review in a few simple steps, the network's licensed experts will take care of your enquiry and review your specific claims for compensation arising from your accident. The experts from the fair regulation network will then ensure that the opposing insurance company pays you your justified costs for medical treatment and additional needs. This means you won't be left with unpaid bills.
Physiotherapy and other services - what you are entitled to
Examination to determine the injury
Physiotherapy
Provision of walking aids
Medication
Hospitalisation
Firstly, you can claim reimbursement of the costs of the medical examination that established that you suffered an injury as a result of the accident.
Attention: If it is determined during the examination that there is no injury due to the accident, this examination itself is not reimbursable. (see BGH of 17 September 2013 - VI ZR 95/13).
Reimbursable medical treatment costs also include the assumption of costs for physiotherapy that has become necessary, for the provision of walking aids or for medication. Outpatient and inpatient hospitalisation are also included.
Important for you:
However, the costs of the treatments must be well documented in order to be taken into account in claims for compensation. They are not the same as compensation for pain and suffering.
Watch out for the fat trap: Subsequent claims for necessary treatment that was not carried out on time are not permitted. In principle, only the necessary medical treatment costs are to be reimbursed. The necessity of medical measures, such as outpatient and inpatient care, the selection of medication, aids and alternative practitioner costs must be assessed according to objective aspects based on medical necessity (see OLG Frankfurt a. M. VersR 2001, 595).
Generally valid and recognised medical findings are decisive, not the subjective view of the patient or personal opinions of the treating physician.
More than just medical care
Medical treatment costs also include the so-called "increased needs". This includes, for example, all the consequential costs incurred as a result of the accident, such as those incurred when refitting your home or vehicle. These costs may also be part of your justified claim for compensation.
How do you actually assert your claims?
The experience gained from many thousands of fairly settled accident claims leads to our clear recommendation for you: Report your accident with just a few clicks online or by telephone via the toll-free number 0800 30 111 60!
Within a few minutes, you will have a certified traffic law expert from the faire-Regulierung network at your side. You will receive the results of the expert who has pre-checked your claims free of charge via the platform. The right specialist from the network will then be available for you to quickly and competently pursue your reimbursement. And as a special service of fair regulation, you will receive all important progress and every relevant document directly on your smartphone, simply and in compliance with data protection regulations. So you are always well informed and in control of your day.
