After an accident, it can be difficult to figure out your next step. Car crashes can be extremely damaging, both to the vehicle and to the driver, passengers, pedestrians, or others involved. If you were injured in the accident, finding out how to pay for your medical care might be challenging, especially if your injury requires ongoing care, medications, or additional surgeries.
Rather than put yourself and your family through unnecessary financial upheaval, you might consider discussing medical payments coverage with your insurance company.
Medical payments coverage is an optional addition most people can make to their auto insurance policy. This specific type of coverage can help you pay for any medical costs after a car accident, including treatments for passengers in your vehicle. This coverage expands to cover any automobile-related injury.
The coverage amount varies greatly depending on the wishes and needs of the individual. Medical payments coverage is available to individuals with or without health insurance, though the absence of health insurance may encourage a larger coverage amount. For example, someone with medical coverage might choose a smaller policy with only $3,000 in benefits, whereas someone without health insurance might choose a policy with $30,000.
When you choose a policy, you can also choose the amount of coverage you wish to maintain. The benefits can help cover any out-of-pocket expenses or may help you meet your deductible. Even though medical payments coverage cannot pay for all medical expenses, it can be extremely useful in the diagnostic stage of treatment and can help enable you to pay for the medical attention you require before an official treatment begins.
If you were involved in a car accident, our Tulsa personal injury attorneys are prepared to help. At Saint & Watzke, PLLP, we use our legal experience, backed by a proven track record of success, to help clients dealing with serious car accident injuries. We strive to provide our clients with personalized legal solutions and we even offer free initial consultations.