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Helping You Understand Med-Pay Coverage

Medical bills are one of the biggest worries for accident injury victims, especially if the incident involved a car crash. To address this concern, the state of Colorado passed a law in 2009 that requires insurance companies to offer a minimum of $5,000 in Medical Payments Coverage, or Med-Pay. The cost of this coverage is about $5 per month, and additional coverage is available for an additional fee.

Because Med-Pay coverage is not mandatory (policyholders may sign a waiver declining the coverage), some motorists are unaware of this valuable resource. The attorneys of the law firm of Silverman & Associates, P.C., based in Denver, can explain your rights if you have purchased Med-Pay coverage, as well as represent you during settlement negotiations with the insurance company.

How Do Claims For Medical Payments Coverage Work?

If you have purchased Med-Pay coverage for your vehicle, if you are injured in an accident, the following advantages apply:

  • Med-Pay pays for all reasonable medical bills, regardless of who is at fault for the accident.
  • Both injured drivers and other injured occupants of the car are covered by Med-Pay.
  • Med-Pay is separate from the coverage of health insurance policies, so it provides financial assistance to motorists or passengers who lack health insurance.
  • The coverage does not have a “payback clause,” so if you reach a settlement with the insurance company later, you do not have to pay the company back for the coverage if you have used it.

What Does Med-Pay Cover?

Some medical bills that can be paid with Med-Pay funds include:

  • Surgery
  • Doctor visits related to the accident
  • Emergency room treatment
  • Radiology services such as X-rays, MRIs and CAT scans

Med-Pay funds can reduce the worry of having to find a provider who will treat an injury accident victim and can save the stress of dealing with enormous unpaid medical bills later.

Call Us For A Free Initial Consultation On Insurance Claim Issues

Call us at our Denver office at 303-731-0734 or email us to set up your free initial consultation. Our lawyers represent personal injury clients on a contingency fee basis, meaning if we cannot obtain compensation for you, you are under no obligation to pay us.