If injured in auto accident and you may need surgery how does that affect your claim?

If injured in auto accident and you may need surgery how does that affect your claim?
im done treating and i found i may need surgery in future. how will insurance pay for that? will they pay the doctors or pay me the amount that the surgery might cost? my shoulder may need surgery i deal with pain every day.
Best Answer:
well pain sucks, sorry to hear about the accident, may tomorrow be a better day. Keep the faith, the human body has an amazing capacity to heal even if it takes years. so one day at a time, look in the mirror and tell your body to heal itslef everyday, focus on this and making the pain become less. It does not sound as if you have settled anything, The insurance company wait until the medical treatment has gone about as far as possible. If you have an attorney the person to talk to is the attorney. Usually the insurance company takes the total medical times 3 or 4, but each case is different and no two are the same, permenant injuries add to a settlement. If you do not have an attorney, and the insurance company offers you a settlement, the future medical is the part that can be scary, so do not compromise that if possible. If a settlement is offered and its too low, do what you have to do and start calling attorneys. Hope it all goes better tomorrow best of luck.

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