Automobile Medical Payments Insurance is a type of coverage on your automobile policy that pays for accident related medical bills and expenses. The coverage commonly comes in amounts of $5,000, $10,000 and $25,000. The coverage provides automobile accident related medical benefits to you and your passengers. There are no co-pays or deductibles so all of your medical bills from an automobile accident are covered up to the policy limit. When you buy automobile insurance, you automatically receive the $5,000 minimum unless you specifically sign a waiver declining coverage. We recommend that you DO NOT waive this coverage. As a matter of fact, we recommend that you carry at least $10,000 and $25,000 is even better. The best thing about medical payments coverage is that you can pick your own health care providers, you pay no co-pays or deductibles and the medical benefits you receive are not subject to subrogation. Subrogation is when your insurance company demands reimbursement of the benefits it paid if you receive a personal injury settlement. You may not know it, but all health insurance policies contain a subrogation clause which means your own health insurance carrier will have its hand out for reimbursement if you get a personal injury settlement. With medical payments coverage, there is no subrogation. You, as the injured person, get to keep all of your settlement proceeds without having to reimburse your own insurance. It all seems complicated, but Mann & Maximon are experts at handling these matters on your behalf. We are automobile accident lawyers conveniently located in downtown Boulder, Colorado. Medical Payments Insurance - yes, you should get it.
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Having been the innocent victim of a head-on auto accident caused by texting while driving, I sought Stuart Mann’s legal counsel. From the outset he was fully dedicated to accompanying me through a lengthy recuperative process, using his skills, experience, and resources to achieve justice and adequate financial compensation on my behalf. His unconditional concern for my well-being and his involvement of time and effort on my behalf freed me from legal concerns and responsibilities, allowing me to focus my efforts and energy on physical and mental recovery. I strongly recommend Stuart Mann to anyone needing the legal services he offers.Mann & Maximon Client
When I lost my son in an automobile accident it was devastating. Stuart helped our family cope with the loss. His guidance and expertise in wrongful death cases was tremendous. He was respectful yet demanding in handling the case. While there is never enough money to bring back a lost child, Stuart made the defendants pay for their actions and recovered a huge amount of money to help our family. He did a great job.Mann & Maximon Client
My car accident left me shattered, physically and mentally. Stuart’s offer of help came soon after I was released from intensive care, and he’s been on my side since. When you’re involved in a big accident, there are so many things you need to concentrate on, and it’s been a great comfort to know I don’t need to spend untold hours dealing with insurance companies or hospital billing departments. Thanks Stuart!Mann & Maximon Client