If you are injured in a car accident in Colorado, you may have insurance that can help cover some of your accident-related expenses as part of your MedPay coverage. But how does MedPay coverage work? And can you still file a claim against the at-fault driver if you have additional damages? Here’s what you need to know.
What Is MedPay Coverage?
MedPay insurance is a type of first-party auto insurance. It may be part of your own auto insurance. It covers reasonable medical expenses you suffer in a car accident, regardless of fault.
When Does MedPay Coverage Apply?
MedPay coverage applies if you have a valid policy and were physically injured in a car accident. It also covers other people in your vehicle, but it does not pay for the individuals injured in another vehicle. MedPay coverage can also apply if you were injured in a car that was not yours or if you were injured in an accident in which you were not in a vehicle, such as a pedestrian accident, bike accident, or bus accident.
The medical expenses it covers may include:
- Emergency care at the accident scene
- Ambulance rides
- Emergency room visits
- Hospital stays
- Diagnostic tests and imaging services
- Surgeries
- Medication
- Physical therapy
Essential Things to Know About MedPay Coverage
If you were involved in an auto accident, here are the key things you should know about MedPay coverage:
- Insurance companies in Colorado must offer MedPay coverage, but you do not have to accept it. If you opted out of coverage, you may not be covered. However, you could be covered by another family member’s policy.
- Auto insurers in Colorado must offer a minimum of $5,000 in coverage, but coverage can be as high as $100,000. Your insurance company will only pay up to your policy limits.
- You do not have a co-pay or deductible requirement you have to meet to use MedPay.
- Your insurance provider cannot raise your insurance premium if you use your benefits if the accident was not your fault.
- Unlike other types of insurance, you do not have to reimburse your insurance coverage company for the MedPay benefits you received if you win a settlement.
Can I Still File a Claim Against the At-Fault Driver?
While MedPay can provide payment for medical expenses, it does not cover all accident-related losses, such as:
- Medical expenses that exceed your policy’s limit
- Lost wages
- Reduced earning capacity
- Property damage
- Pain and suffering
- Loss of quality of life
You may be able to recover compensation for these losses by filing a claim with the at-fault driver’s liability insurance provider.
Contact Our Car Accident Lawyers for Legal Assistance and Guidance
If you were injured in a car accident that was not your fault, the Denver injury lawyers at Dulin McQuinn Young can review all insurance policies that could apply in your case, including your MedPay coverage. We may also be able to pursue compensation against the at-fault party. Learn more about how we can help by calling (303) 246-1111 and requesting a free consultation.