There are several avenues available to victims of car accidents. If you are not at fault you have access to use Medical Payment Coverage which you are already paying for through your own insurance. Medical Payments Coverage is separate from your property damage insurance and is used to cover medical expenses related to injuries sustained in a motor vehicle accident. By State Law using your Medical Payments Coverage can not raise or in any way negatively affect your insurance rates or premiums.

Other options for covering your medical expenses are going through the “at fault” party’s insurance, or the person who is responsible for the accident. Their insurance can be billed by your providers directly and it is their responsibility to cover medical expenses related to injuries sustained in a motor vehicle accident caused by their insured (the at fault).

The option to pay for your services yourself and then ask to be reimbursed later by the insurance is also an option, although not recommended as the insurance company may not agree to cover the services you chose to seek. It is always recommended to seek treatment with a qualified and licensed provider. The treatments they prescribe or recommend are much more likely to be covered by the insurance.

Yes. Accidents at speeds of only 6.8mph carry enough force to cause serious injury to the ligaments and joints in your neck. Even low speed injuries should be evaluated by a provider who is familiar with auto accident injuries and low speed collision injuries.

Absolutely. The ER’s job is to assess you for life threatening injuries. They look for internal bleeding, fractures, and trauma to the brain. Oftentimes the ER will not perform the detailed orthopedic examinations to test you for whiplash, sprains, and strains. Instead they typically leave that up to your Primary Care Physician. Even if you had an MRI or CT scan at the hospital, those will not catch the detailed injuries to cervical ligaments.

Colorado State Law states you have 3 years from the date of the accident to file a claim. We recommend you obviously seek treatment immediately after an accident, but if you don’t realize you are injured for several days or even weeks after the accident, you can seek treatment for your injuries up to 3 years after the accident.

If you have been involved in a Motor Vehicle Accident either as a driver or a passenger in a car, you have access to Medical Payments Coverage through your insurance, which means you have access to medical care with no out of pocket expenses. Medical Payments Coverage is mandated by the State of Colorado at a minimum amount of $5,000. This coverage is separate from your property damage coverage and by law using this MedPay coverage can not raise your auto rates or premium. This special coverage covers all drivers and passengers in any vehicle involved in a Motor Vehicle Accident in the State of Colorado. To use your medpay you simply go to your provider and let them know you were in a Motor Vehicle Accident. The Medical Provider will treat your injuries under your Medical Payments Coverage up to the allowable amount. 

Were you ruled At Fault for a Motor Vehicle Accident? You are still able to come in and be evaluated absolutely FREE by one of our expert providers. Even At Fault Driver's have access to Medical Payments Coverage through your insurance, which means you have access to medical care with no out of pocket expenses. Medical Payments Coverage is mandated by the State of Colorado and covers all drivers and passengers in any vehicle involved in a Motor Vehicle Accident, even the At Fault Driver.