About car accident claims in Houston, Tx
Throughout the years of handling car accident claims, we have found that too often our clients have not adequately been educated on what insurance coverage they need in order keep themselves and their loved ones in best position to receive the treatment and care necessary following a serious car accident. By using the term “serious car accident”, we are referring to car accidents resulting in serious injuries, hospital stays, follow-up treatment or surgery. These are costly car accidents, and no one wants to be paying out of pocket for these procedures. That is why, it is important to understand how you can take matters into your own hands when shopping for your insurance coverage.
Automobile accidents occur in Houston at an alarming rate. Over 10,000 car crashes are said to occur every month. When you are in a car accident, promptly determining what the type of insurance coverage is available is crucial. Determining whether you have medical payment coverage or personal injury could help make sure you are able to cover all the expenses associated with being in a car accident.
What is Medical Payments Coverage?
As the name hints, medical payments coverage on your policy help cover the costs associated with treatment you receive as a result of a car accident. This is no-fault coverage for medical bills you may have suffered in a car accident. This coverage is also available to your passengers. Depending on the amount of coverage you have under your policy, this coverage could cover:
- Emergency Room Visits
- Diagnostic Tests
- Follow up Doctor’s Appointments
- Therapy Treatment
How is Personal Injury Protection Different from Medical Payments Coverage?
This coverage is similar to medical pay but, it also covers payment for health insurance deductibles, lost wages, childcare, if necessary, and other bills related to the car accident. Insurance companies must offer you person injury protection coverage and, should you choose not to purchase it, the rejection must be in writing. Frequently, we have seen that our clients electing to reject this coverage because they really didn’t understand why it was important and how they would use it if ever they were to get in a serious car accident. Before you reject personal injury protection, you should read more about how personal injury protection could help you get back on your feet following a car accident.
Why file Medical Payment or Personal Injury Protection Claims?
When your involved in a serious accident and you were not at fault but the other driver does not have insurance at all or, has a minimum policy (30/60/25) that does not pay all your bills, if you don’t have the right coverage, you are going to be left scrambling for ways to pay for all the costs that could result from a car accident. Because Medical Payments Coverage and Personal Injury Protection claims are no-fault claims, the process to file these claims is much simpler than pursing the underlying liability claim against the other driver.
Sometimes, clients are hesitant to file these claims because they do not want to see their insurance premium go up event though this coverage could pay for a large portion of your related medical bills. You cannot put a price on your livelihood and well-being. The car insurance market is strong, and you could always shop for better rates if they go up after an accident.
If you are involved in a car accident and need assistance determining what insurance coverage is available to cover your damages, get the legal counsel that you need. At Sandoval Law Firm, PLLC we treat every client with the care and attention that they deserve. We are available to help you in your car accident case, call us at (346) 347-7777 for a free and informative consultation!