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Medical Payments Coverage
What Is Medical Payment Coverage?
Know Your Coverage Limits
When Do I Get Paid?
After an Accident
Health Insurance and Medical Payment Coverage
1. What Is Medical Payment Coverage?
It's important to note that many states have insurance laws designed to prevent duplicate coverage, and you may not be able to file a third party insurance claim for bodily injury if you are covered by automobile medical payment coverage, though you may be able to file a third party claim for anything not duplicated by your own insurance. It's good to protect yourself and your passengers, but state laws are designed to prevent "double dipping" for insurance claims. Top
2. Know Your Coverage Limits
Check with your insurance agent to get some advice on the average amount of car accident medical claims and set your coverage level accordingly. Your agent can show you research data and charts with the average amount of car accident settlements for your coverage level compared with the amount of the hospital bills themselves. Don't short yourself on important coverage if an affordable plan with additional protection is available. If you have health insurance, consider carrying medical limits coverage at the level of your health plan's deductible and copayment, or your out of pocket maximum. This should dovetail nicely for you and could save you from paying for double coverage. Top
3. When Do I Get Paid?
That doesn't mean you won't have to wait for payment--forms must be filled out and filed and proper procedures must be followed. In these cases it is best to see how much time you have to pay the medical bills and see what can be worked out to avoid financial hardship between the time you incur the medical expense and the time you get car accident medical bill reimbursement. Top
4. After an Accident
That is why it is very important to be careful what you do in the aftermath of an accident. Never admit fault, even if you think you may have caused the accident. That is for the insurance agent and the police to decide. Always tell the truth when relating your version of events, but do not make a judgement call. Present proof of insurance to the police when requested, but don't disclose the amount of your insurance policy to a third party. Above all, do not accept money after an accident--you could be prevented from making an auto accident claim later. These steps are designed to protect you from "ambulance chasers" and ensure you get a fair investigation when it's time to determine the facts, and the blame, regarding your accident. Top
5. Health Insurance and Medical Payment Coverage
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