If you’ve been hurt in a car wreck, you may have a personal injury claim. But whether you are at fault or not, you may have access to some insurance coverage on your own policy you may have never known about. Medical payments coverage (usually called “medpay”) is an optional coverage that you may have on your own automobile policy. If you are hurt in a car wreck, EVEN IF YOU ARE NOT IN YOUR OWN CAR, medpay can help you pay for your own treatment by helping with the following:
• Co-pays and deductibles
• Procedures your health insurance doesn’t cover or is dragging their feet on approval
• Entire courses of treatment if you don’t have health insurance coverage
• Medical devices
• Prescription expenses
Medpay works regardless of who is at fault. However, it’s an optional coverage, so you may not have it. If you do have it, most insurance companies don’t write large polices for it, unless you specifically ask for it, so you may only have $1,000 or $2,000 in coverage, but that can be incredibly helpful following a crash while you are trying to get treatment. If you have this coverage, you are paying a premium for it. So, if you are in a wreck and don’t use your medpay, it’s like going to the grocery store, writing them a check $100, and then leaving without any groceries: you’re just giving money away to your insurance company.
The Miller Law Group knows how to help with your medpay claim, and we don’t take any fee for handling that part of your claim. The contingency fee we charge for your personal injury claim doesn’t touch your medpay: that’s for you and your doctors. Don’t give your money away: contact us today for a free consultation. We’re the Miller Law Group, and we’ve got your back.