As a Denver auto accident attorney, I recommend that you have med-pay. If you are injured in a car accident, med-pay will pay the bills of medical providers such as the ambulance company, emergency department doctors, the hospital and so on up to the amount of your coverage. There is no deductible and no co-pay.
It’s particularly good insurance to have even if you have regular health insurance. For those with health insurance, most policies will cover your emergency treatment and much of your follow-up care. And it can save you the worry of mounting medical bills.
There is a downside, though. With health insurance, you will have to pay your policy’s deductible and then will have to make a co-payment out of your own pocket. Some insurance even requires you to pay a percent of your bills, up to a certain amount.
Some people hesitate to use their med-pay insurance if they’re in an accident and instead use their health insurance. They think using med-pay will raise their premiums or their health insurance won’t pay if it’s needed. Neither of those are true.
It’s a good idea to have med-pay insurance, even if you have health insurance. It’s cheap, you can get a lot of it for relatively little money, and you don’t have to pay it back to anyone if you use it. By all means, get it.
If you’ve been hurt in an accident and need help getting medical care, give me a call at (303) 758-4777, email me at DLS@dlslawfirm.com or visit our website at www.dlslawfirm.com for more information.
Let’s talk about your case. There’s no cost or obligation. We’ll help you get the money you and your family deserve for the injuries you’ve suffered. And remember: If we take your case, we don’t get paid unless you get paid.