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What You Need To Know About Medical Payments Coverage

When I was younger I always hated paying my insurance. The cost was always extremely high, and the people I interacted with were very rude. I always tried to get the bare minimum jan dilscoverage. It wasn’t until I was much older, and had spent some time working around personal injury attorneys, that I realized how wrong I was about insurance coverage. Though my car is 12 years old, paid for, and worth less than stock in Samsung, I still have full coverage on the car. I also carry high property damage coverage and high underinsured and uninsured motorist coverage. Though I’ve been proactive about my insurance, I’ve learned that it may not be enough. Recently I learned about Medical Payments coverage. It turns out that my current policy may still not be adequate.

Medical Payments coverage is a good supplement for many insurance policies because it is often affordable, and it can help pay for medical bills if you are injured in an accident. If you are hit by a driver with state minimum coverage, this could be even more beneficial because their insurance coverage likely won’t be enough to pay for your medical bills. It get’s better, though. Depending on your insurance provider, Medical Payments coverage may also cover the following:

  • Passengers in your car
  • Injuries sustained while you are walking or riding a bike
  • Prosthetics
  • If you’re injured as a passenger in another person’s car
  • Dental care
  • And more

In addition to providing coverage for medical bills, some Medical Payments coverage will also cover funeral costs. Once again, every provider is different, so it’s important to check your policy.

You may still be asking yourself if this is something you really need. Well, It can be helpful if you look at the numbers. If you are hit by a driver with perfect insurance coverage, then you are pretty lucky. However, the number of people who drive without insurance is staggering. It is as low as 4% in Maine and Massachusetts. However, that is much lower than the national average of 12% and far better than the worst state in the union, Oklahoma, at 26%. Nationally, there is a 1 in 8 chance that the person who hit you doesn’t have insurance.

Federal Help for DisabledSome may look at the numbers over the years and state that the average is trending downward. That’s true, but it’s not just uninsured motorists you have to worry about. Underinsured motorists are also an issue. There are a lot of cut-rate insurance providers currently. Many motorists will join these insurance providers because of cheap their coverage is, and how accessible they are for individuals with bad credit. In other words, there may be more people with insurance now then there was ten years ago, but many of these insured drivers have very little coverage.

If you’re intrigued by Medical Payments coverage, be sure to talk to your insurance provider about it. Most agents will agree that you want at least $25,000 worth of coverage. If you’ve been injured in an accident, call us today to learn more about the services we provide. Our consultation is free. Simply call 1-877-526-3457, If you can’t talk now, fill out this form so that we may call you at a better time.

 

 

The One That Got Away: How I Learned That All Insurance Agencies Aren’t the Same

Insurance is one of those things I really hate paying for each month until I have to use it. After being involved in a recent accident, I was really glad I was covered, Pi Photo Shoot 1 008and that my insurance company was willing to work with me to get my car fixed. I have been with the same insurance agent for most of my adult driving life. I have a local dealer that knows me by name, and they are a part of a large national insurance brand. Everything with them goes pretty well. It wasn’t until I was involved in a hit and run accident a few years back that I realized not all insurance companies are created equal.

Way back in the day, before I wrote blogs for a living, I worked in a small office selling satellite dishes. I just started graduate school, so I worked mostly in the evenings. This meant that I worked alone, and the office did not receive very much traffic at night. One day a young fella in a very large pickup truck stopped by our office to pay his bill. We talked about the weather briefly and genuinely had a nice conversation. It was just nice to have someone to talk to that day. I was alone for hours, and a friendly voice was just what I needed to make it through the rest of the night. As the customer left, he told me to “be careful out there,” and then he climbed into his truck.

Snow had fallen earlier in the day, and the parking lot was covered. As this person backed out of his parking spot, he smashed the throttle to make his vehicle break traction. This was fun for him, and I am sure he got some sort of enjoyment out of it…until he backed into my car. I watched it all unfold from my desk. When I walked into the parking lot, he became very irate and left the scene of the accident. In his mind, the action of him backing into my car was my fault. Though my car was clearly in an assigned spot, he was mad at me. Perhaps it was my fault for simply existing.

I had all of his information, so I called the police. I made an accident report, and did everything you’re supposed to do after an accident. Because I followed the rules I thought everything was going to be fine, but I was wrong.

Problems started a few days later when I contacted his insurance company. While I can’t name a specific brand, let’s just say his insurance company was cut rate at best. They would not return my calls, and they wouldn’t give me anything to cover the cost of the damage to my car. Eventually my insurance provider had to cover the accident under my under insured/uninsured policy. I remember thinking back then how thankful I was that I wasn’t in the car, and how I wasn’t injured. I can’t imagine trying to deal with a discount insurance company while injured. These people wouldn’t even pay for my fender; imagine if I had a broken leg.

While researching this blog I decided to do some investigating on underinsured and uninsured drivers. I was ignorant. I thought that all states required this type of coverage for their citizens. I couldn’t have been more wrong. In fact, I was so wrong, that I decided that my next blog will be all about this topic. Trust me; you will want to educate yourself on this subnect. I consider myself somewhat educated, and in under three minutes I was shocked out how little I knew. After this hit and run, I was glad that the state of West Virginia required me to have underinsured motorist coverage.

It’s important to remember that every insurance company is different. However, discount insurance companies often don’t have your best interest in mind. Even my well known insurance provider wasn’t able to get the other driver’s company to pay for the damage he did to my car. So, if you’re involved in something far more serious than an unoccupied fender bender, fighting the insurance company alone will be very difficult. That is why so many people turn to a Personal Injury Lawyer like Jan Dils to help them get the settlement they deserve. In fact, Jan will be the first to tell you that even the name brand insurance companies will try to undercut your injuries. While most modern insurance companies have fun commercials with likable spokespeople, we can’t forget that they are businesses, and their main purpose is to make money. Jan Dils has battled government and insurance giants for more than 20 years, and she knows how to get results.

If you’d like to know more about our personal injury services in West Virginia or Ohio, or if you’d like to talk about your case with a representative, call us today. Our toll free number is 1-877-526-3457. Or, fill out this form now to be contacted at a later time.