With hindsight, yes, i should have gone to the orthopod first. I had assumed that I needed a referral from the GP. I heard that some Krankenkassen won't pay up if you go straight to the specialist. (Yes Krieg, I am private)
I'm not normally a litigious person - I think the whole no-win-no-fee culture has a lot to answer for. However, when I described to a friend the recent experience I had with a doctor, they told me to sue. I have no idea how the process works or even if I have a case. So, I wondered if anyone out there in toytownland has any experience to share.
My case is this - during a skiing holiday I fell and sprained my wrist. After 6 weeks, it was still giving me gyp. So I went to an Allgemeinarzt who told me that it wasn't broken, just sprained. He prescribed rest, a bandage and ultrasound to speed up the healing. After a month of this, it still hadn't gotten any better. So I went back to see him and again he reassured me it definitely wasn't broken and to keep up with the ultrasound.
After this I got fed with the Quack and consulted Dr Google. According to google, the 2nd most common wrist injury after sprain is a fracture. I went to see an orthopod took 2 minutes to diagnose that I had a fracture. Because the wrist had been left untreated for so long I needed a bone-graft and a screw put in.
Basically, the original Doctor had delayed the correct treatment by 6 weeks which allowed the bone to decay. Could I sue for this?
A 2nd question is what happens if I refuse to pay the doctor's bill? It's been sat on my desk for a month now, and I don't feel inclined to pay it. How long could I get away without paying until the bailiffs come knocking?
One massive finacial consideration is if you are privately insured, then during Elternziet you will have to pay both your and your employer's health insurance contribution. By the time you've paid this and your rent, there's not much left of your elterngeld!
I wouldn't recommend this guy. The stuff i got from him last year looked like it had been dragged out of a ditch. I had to put the logs on a radiator for several days before they'd burn. And the wood wasn't even that cheap! This year I'm defo going to Bauhaus.
I would recommend moving over to the One World Alliance. Get yourself a BA loyality card. BA let you share your points with your family. Last time I took a "Premium Economy" flight to the states, I earnt enough miles to send my wife & kid to london. Also, when you get silver membership, the BA lounge at Heathrow is incredible. Bacon butties & curries,mmm.
@dinkita: Could you let me know who you went with too?
Basically, I have a 1m^2 section of parkett where our office chair rubbed away at the floor. My landlord says it is damaged as opposed to normal wear & tear and he wants it properly repaired. I had a go myself with an electric sander, but its (I'm) just not man enough for the job. (The irony is, there's plenty of things that did scratch the floor, but an electic sander doesnt.)
I'm not saying people shouldn't be held responsible for the accidents that they cause; they should. I'm saying that the rich are pushing up premiums for everyone else because of their lifestyle choices.
It annoys me that while the rich drive around in their ostentatious displays of wealth, the rest of us have to get insurance in case we come into contact with them. If I were driving round in a platinum-plated car, I wouldn’t expect the rest of society to pay an increase in their premiums to cover my repair bills. I would buy my own insurance to cover people hitting me.