Similar to uninsured motorist coverage, medical payments coverage is an absolutely essential part of making sure that you receive the medical treatment that you need after a car accident. Like uninsured motorist coverage, medical payments coverage is an optional insurance policy. You are not required to purchase it, but there is not any reason why you would not purchase medical payments (or “med pay”) coverage in connection with your auto insurance policy.

Underinsured/Uninsured motorist coverage is the way that we protect ourselves from motorists that do not carry sufficient insurance coverage. If you are legally entitled to recover from another person that causes an accident and that person does not have sufficient insurance to pay for the injuries you suffer, an Underinsured/Uninsured motorist policy can help you. You cannot control the amount of insurance that anyone else has, but you can control the amount of Underinsured/Uninsured motorist coverage available to you.

Avoid any gap in medical care after your car accident or personal injury. When a doctor or other care provider tells you to do something, do it in the time period that they direct you to (within reason). The reason why this is so important is that the insurance company on the other side of the car wreck or incident that caused you personal injury is going to examine your medical records for instances in which you did not follow your doctor’s directions regarding the care that you should receive.

Be very cautious about referrals to medical care providers from personal injury attorneys. It is critical that you receive the medical care that you need following an accident. However, the validity of any claim for compensation that you make following an accident can be compromised, in whole or part, based upon the type of medical care that you receive and how you arrived at that provider.