Many clients–probably most of our clients–have auto-medical payments insurance, also known as med-pay. The most typical amount is $5,000, but it can be as low as $500 and I’ve seen them as high as $100,000. What this means is whether you have health insurance or not, you can get your medical bills paid immediately by your own insurance company.
Some insurance companies try to recover some or all of what they have paid on your behalf out of your ultimate recovery but we have had great success in getting them to waive those requirements. In certain automobile insurance companies, particularly the California State Automobile Association, do not ever make a claim for reimbursement on their med-pay policies.
We can advise you on this and we can also help you coordinate between your med-pay and any other form of insurance you might have.