How Auto Insurance Covers Your Car Accident Injury
One moment, you're driving around Colorado Springs as you always do. Then the next moment you find you're in a car accident that had enough force to give you whiplash. Up until this point, you may have thought of whiplash as a minor injury that most people exaggerated. Now you've discovered that whiplash is a serious car accident injury and it's one that is more than just a pain in the neck. You may need to undergo therapy and chiropractic treatment to get your neck back to normal. Who pays for it all? In this instance, your auto insurance will pay for the treatment. Here's a look at how and why from Cheyenne Mountain Chiropractic.
Minimum Auto Insurance Coverage
The state of Colorado requires all motorists to carry a minimum liability policy that provides a payout after an accident in which the driver is at fault. The minimums include:
- $25,000 for bodily injury or death for any individual in an accident
- $50,000 for bodily injury or death for everyone involved in a single accident
- $15,000 for property damage in an accident
The minimum payouts for liability insurance are very low. They sometimes are inadequate to cover the entire cost of medical intervention after an accident. Sometimes, health insurance can be used to cover the shortfall, but that's only if the health insurance policy doesn't contain language that bars its use as supplemental insurance after an accident.
Mandatory MedPay is the Law in Colorado
In 2009, a law was passed that makes medical coverage mandatory for all auto insurance policyholders. There is no deductible, it does not require repayment if you receive a settlement after a car accident, and it covers all reasonable medical expenses up to the maximum coverage amount that you've chosen. Medical providers are paid quickly from the MedPay coverage and it covers everything from emergency room services to a chiropractor.
How Insurance Pays for Your Medical Costs
As you go through your recovery, your medical provider needs to be informed about the auto insurance coverage and that they should bill the auto insurer that's handling your claim. The only time you should invoke your health insurance for coverage is when your auto insurance coverage limits have been reached and your health insurer allows coverage. The medical office knows how to bill the insurer and should only ask for payment of any deductible.
Call Us Today for Help With Your Car Accident Injury
At Cheyenne Mountain Chiropractic in Colorado Springs, we are ready to talk to you about how we can help you recover from whiplash and other chronic pain issues that are caused by a car accident. Get in touch with us at 719-268-0708 and make an appointment to see our chiropractor for relief from your pain.