Car Accident step by step process Part 14: Understanding MedPay

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 



MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!! 

When you sign on for auto insurance and do not "opt out" you are automatically signed up for $5,000 MedPay (Colorado....please check your state policies).  

The good thing about MedPay is it kicks in immediately.  The bad thing is it is not closely looked at so if you visit an "unscrupulous" Doctor your MedPay can be used up very quickly....and as I said earlier....it is normally paid back out of your settlement.

We talked about Policy Limits so let's assume you have the Colorado minimum requirements of $25,000/$50,000 with $25,000 MedPay.  The person who hits you has the same minimum policy limits.  You are seriously injured and your MedPay is exhausted.  You have to have surgery and will have scars the rest of your life.  Bye Bye settlement.  

First thing you need to do is check what your policy limits are.
Second check what your MedPay is.
Third:  If you are ever injured in a car accident TALK TO A Personal Injury Attorney.  They will fight for your MedPay and they will have referral Doctor's that won't abuse the MedPay so you have more money for treatment.





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Understanding MedPay?

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 




MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!! 

When you sign on for auto insurance and do not "opt out" you are automatically signed up for $5,000 MedPay (Colorado....please check your state policies).  

The good thing about MedPay is it kicks in immediately.  The bad thing is it is not closely looked at so if you visit an "unscrupulous" Doctor your MedPay can be used up very quickly....and as I said earlier....it is normally paid back out of your settlement.

We talked about Policy Limits so let's assume you have the Colorado minimum requirements of $25,000/$50,000 with $25,000 MedPay.  The person who hits you has the same minimum policy limits.  You are seriously injured and your MedPay is exhausted.  You have to have surgery and will have scars the rest of your life.  Bye Bye settlement.  

First thing you need to do is check what your policy limits are.
Second check what your MedPay is.
Third:  If you are ever injured in a car accident TALK TO A Personal Injury Attorney.  They will fight for your MedPay and they will have referral Doctor's that won't abuse the MedPay so you have more money for treatment.

Previous blog on MedPay

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Secrets Insurance Companies don't want you to know

Okay, so you have been in a car accident. Here are a few secrets you HAVE to know before you say anything to anyone.

Insurance companies ARE NOT YOUR FRIEND!! They will call you, and more often than not it is being recorded, to see if you are okay and to ask you a few "questions." DO NOT AGREE TO DO THIS. Even the truth can hurt you later on. Imagine a murder suspect in interrogations...the police are allowed to lie to the suspect in the hopes of a confession. After the car accident you are now in this situation. The insurance company will lie to you in hopes to get the answers they need.

Their ONLY GOAL, no matter what they say, is to

SAVE MONEY!!

If you are hurt you need to seek medical attention. Keep in mind that not all injuries do not materialize right away. It is essential that you seek a PROFESSIONAL and RESPECTED Doctor as your injuries can cause long term damage OR hurt your claim if not documented correctly. 

Here's my oops that I want you to learn from:

By this....I strongly urge you not to answer the question "What are you doing for the pain?" with......."lots of alcohol."

Negotiations: Lets be honest...we all think we can "get more" if we don't hire an Attorney.

"Insurance companies will NEVER tell you to consult an attorney, because they know that if you hire an attorney, you will get more money, even after you pay the attorney, than you will get if try to negotiate with them yourself. Insurance companies will NEVER tell you that their negotiators and claims adjusters are often attorneys." (The Washington Times)

Did you know that Insurance Companies will often request your Doctor's summary to compare with other Doctors? Did you know that they PAY other Doctor's to review your injuries to decide if treatment is necessary?

Guess what the findings are......yep, treatment wasn't necessary.

Don't get bullied by the Insurance Company! Get medical treatment from an HONEST and REPUTABLE Doctor and/or clinic! 

If you are unsure which Doctor to see call Zeisler & Associates, Attorney at Law, PC for a referral.

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The truth about MedPay and treatment for Personal Injury

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 

MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

For a few dollars more a month you can add this to your insurance policy.  Personally I have $25,000 in MedPay and used up most of it with my car accident. 

Why?

Because....I was over-treated in the beginning.

Who knew, right? I thought it was the right thing to do....and being stubborn I didn't need an Attorney when it first happened....WRONG!

If I hired Zeisler & Associates, Attorney at Law, PC IN THE BEGINNING I would not have been "over-treated."

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!!  BUT....

.....the good news...Zeisler & Associates, Attorney at Law, PC was able to fight this and have the pay it back out of my settlement waived.  If I did not have this powerful Firm representing me....my settlement would have been less!

If you, or someone you know, is involved in a car accident....CALL ZEISLER & ASSOCIATES, Attorney at Law, PC.  They ONLY represent Personal Injury so they are very qualified and know what your rights are ALL THE TIME.  (800) 961-2430.

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