If you have been in an accident anywhere in Colorado Springs, you must understand the role your health insurance may play in paying for your medical treatment and care. Did you know that unless you have medical payment insurance, your car insurance won’t cover the costs of your injuries if you are found to be at fault for the accident? In this case, your health insurance will cover the costs of medical care. If you were not at fault, you can file a claim or lawsuit against the responsible driver to get compensation for medical costs and other damages. This is where Colorado Springs Personal Injury Lawyers can help you.
When you Must Use Health Insurance After a Car Accident
If you have been injured in a car accident, medical payment insurance can pay your claim. However, only if you carry this type of coverage. If you have medical payments coverage, your health insurance can supplement your car insurance policy if the costs beyond the coverage’s maximum limits. With this, you don’t have to pay out of pocket for the medical expenses associated with the car accident.
Moreover, you can also use your health insurance if you sustain injuries that your car insurance doesn’t cover. Your health insurance coverage can cover the cost of life-saving medical treatment and care. If the accident is caused by the other driver, your health insurance could help in paying medical bills until you can recover compensation from the liable driver.
When considering whether or not to use your health insurance, take into account who is at fault. This will determine what your car insurance may cover. And if you were at fault, consider if you have medical payments insurance on your car insurance policy. Other factors to consider include the cost of your health insurance deductible and the treatments or charges your policy may not cover.
When You May Not Want to Use your Health Insurance
You can avoid using your health insurance in Colorado Springs if the other party is found to be at fault for the accident. If the accident was caused by another driver’s negligent driving behavior, this driver must be held liable. Your car accident attorney knows the complexities of insurance and wants to protect your rights. They are available to be your advocate.