Do you have Med-Pay? Check your auto insurance coverage today!

Beginning January 1, 2009, Colorado Auto Insurance policies have included $5,000 of Medical Payments (Med-Pay), which are benefits paid to healthcare providers for injuries sustained in an auto collision. These benefits are paid to providers who evaluate and treat any auto collision related injuries, saving the injured party the hassle of trying to get care without coverage, and ensuring quality, uninterrupted care. All providers in our clinic qualify as providers of Med-Pay benefits.

  1. We suggest you also opt to obtain at least $25,000 in Med-Pay coverage. This is a minimal additional fee, protects your access to care, and prevents the injured party from payinghigh deductibles, co-pays and out-of-pocket costs. A study of the auto insurance system in Colorado showed that many health insurance policies have extra deductibles or no coverage for auto accident injuries, and that many people had no health insurance coverage at all. Med-Pay assists vehicle owners and their passengers with injury costs – otherwise the vehicle owner is personally responsible for these costs.
  2. Add as much liability coverage as you can afford to protect your assets if you are at fault in an auto collision.
  3. If you have significant assets, consider an umbrella policy. This is a supplemental insurance policy, in addition to liability coverage, that further protects you against suits and claims against your personal assets, in the event you are at fault in an auto collision and do not have sufficient liability coverage.
  4. It is important to add under and uninsured motorist coverage, so you can obtain care if involved in a collision with a person that is at fault but does not have insurance or enoughinsurance.
  5. If you are in a collision, do not settle your claim until you have had an evaluation by a doctor to ensure you do not have injuries that may manifest later. Our office is always available to help you with any pain or injuries you may have.

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