Thursday, July 27, 2017

Auto Accidents: Medical Coverage

Motor Vehicle Accidents
How Insurance Works
How insurance works in personal injury cases and what you can expect for coverage.

Primary Insurance: Your Auto Insurance
A majority of auto insurance policies include Medical Payment (Med Pay) coverage. Med Pay pays medical expenses for you and any passengers in your vehicle who are injured during the accident. There is a maximum amount your insurance company will pay for each person involved in the accident.
*Note: Med Pay will pay for your medical bills up-front at 100% until your limit is reached. Your insurance company will then be reimbursed by the liability insurance.

Secondary Insurance: Your Health Insurance
If you have maxed out your auto insurance Med Pay, your bills will be submitted to your health insurance. Unlike with Med Pay, you will be subject to any co-pays, deductibles, and other costs associated with your coverage. You can include these out of pocket costs into your settlement demands from the liability insurance.  Payments made by your health insurance will be reimbursed by the liability insurance.
Tertiary Insurance: Liability Insurance
This is the auto insurance of the at-fault party in the accident. While the liability insurance is responsible for your auto and injury bills related to the accident, it will not pay any claims until a settlement is reached. If you do not open a medical claim with your auto insurance and/or do no have health insurance, you will be responsible for the cost of your care until the settlement is reached. Due to this, we strongly encourage contacting your auto insurance and opening a medical claim.
*Note: A settlement may not cover all your bills & out of pocket costs, especially if you didn’t open a Med Pay claim or use your health insurance. For major accidents, you may even need to hire an attorney to ensure you are properly reimbursed. 

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