Most people are familiar with liability insurance: insurance which covers you if you are at fault and injure another person.
However, most drivers have personal injury protection (PIP) coverage as part of their policy.
PIP includes several things including a death benefit if you are killed, a short term disability claim if you are not able to work and most importantly it provides “medpay” which is the payment of medical bills for any person in the vehicle for at least $5,000.00.
Arkansas law requires that every insurance company offers this coverage.
Medpay becomes very important in covering your initial medical bills, for example the ambulance bill, hospital emergency room, follow up visits with the doctor and perhaps physical therapy.
Using medpay will keep the collectors off your back.
Most car wreck claims are not resolved until at least six months have passed and many can last up to three years.
You may ultimately pay back your insurance company but you only have to pay back 2/3rds of what was paid which will allow you to put more money towards your injuries.
It is also always important for clients to utilize their health insurance coverage for any bills that arise as well.
Although many medical providers are telling patients that they only accept cash for car wreck cases I have found that there is very few if any health insurance that do not cover bills from car wrecks.
You need to be ready to be agressive to get past the lady at the front desk to see your doctor for treatment of injuries from a car wreck.
*Important: You should not negotiate with the other insurance company until after your medical treatment has been completed.
Also, the other insurance company will try to give you low offers and delay settlement.
It is important for you to contact an attorney at Keith, Miller, Butler, Schneider & Pawlik, so they can do the negotiating with the insurance company while you recover.
That way, you don’t deal with the stress, and you receive the maximum settlement from the insurance company.
If you are injured in a car wreck while on a job, your employer’s worker’s compensation may provide payments as well.
It is very important to contact our office to handle your worker’s compensation case and coordinate it with the auto insurance companies.
To discuss these options and receive the most for your injuries and damages, request a Free Consultation now.