Visitor Question

Auto Insurance Company Sending Me to an Orthopedic Surgeon?

Submitted By: Anonymous (MA)

I was in a no-fault motor vehicle accident on August 27, 2011. I went to the ER by ambulance and was released. I followed up with my primary doctor 2 days later. He gave me pain scripts and said to come back when the swelling went down (both my knees smashed into the dash and my right hip into the passenger door).

I complied with all my doctor’s orders and began physical therapy (he told me he could send me to an orthopedic surgeon, but that he would have me go to therapy first, so there was no point until I completed PT).

I was still in PT in November 2011 but had to stop because the auto insurance company had not paid any of my bills yet. I went back to PT in the beginning of January. Two weeks later I got a letter from an orthopedic surgeon’s office stating an appointment has been made for me by my auto insurance company.

I showed the letter to my lawyer and he said I had to go… that it was the insurance company’s right to have me go. I don’t have an issue going, but I was following my doctor’s and the physical therapist’s orders.

I’m confused as to why my own insurance company would be doing this? My lawyer said I have nothing to worry about because the orthopedic surgeon’s findings will only help my case. Can you explain this to me? Thanks.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Anonymous,

Our policy at is not to interfere with the attorney-client privilege. To do so would be legally inappropriate. Listen to your lawyer’s advice. She knows what she is doing. She is absolutely correct about telling you to follow the insurance company’s mandate.

Because you are in a no-fault state you must follow the advice not only of your attorney, but of the insurance company as well.

The insurance company holds the “purse strings” so to speak.

You have to jump through their hoops to get them to pay you the money your attorney is fighting for.

When you are injured in a no-fault state you must turn to your own insurance company for payment. As a result you must follow their guidelines to insure you will be covered.

Listen to your attorney. She is steering you in the right direction. The most direct route to a settlement is through your attorney.

Learn more here: Car Accident Knee Injury Compensation

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney.

Find a local attorney to give you a free case review here, or call 888-972-0892.

We wish you the best with your claim,


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