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Importance of Good Medical Coverage on Car Insurance

Written by: Hagelgans and Veronis

Pennsylvania has a No-Fault Car Insurance Law. Most people do not realize that when they are injured through no fault of their own by a negligent driver, Pennsylvania law requires that the injured person’s medical bills be paid first by their own automobile insurance company and then once that coverage is used up by their health insurer. To most people’s surprise, the responsible party is not initially responsible for paying the injured person’s medical and hospital bills.

Unfortunately, many private health insurers, as well as Medicare, State funded health plans and self-funded plans, have the right to seek reimbursement from an injured party’s personal injury settlement. This means an injured party must give up part of their settlement to pay back his or her health insurer. If they had good medical coverage, they could instead keep more of their settlement proceeds for their pain and suffering and what they have endured.

For this reason, everyone should review their car insurance with their agent and insist on carrying at least $100,000 in medical coverage in this day and age. With $100,000 in medical coverage, in the great majority of accidents, this will mean all the injured party’s medical and hospital bills will be paid by their car insurer. Unlike some health plans, your car insurer is not permitted to seek reimbursement from your personal injury settlement for what it pays out. Furthermore, your medical providers must accept the auto payments as payment in full and cannot bill you for the difference or charge you any co-pays or impose deductibles like a health insurer can.

Having adequate medical coverage on your automobile insurance of at least $100,000 will ensure that you and your family will receive more of your personal injury settlement. Call us if you have any questions about your automobile policy and we will gladly review it for you free of charge before you are in an accident.
Prudent decisions like this will protect you and your family if you have the misfortune of suffering injuries and damages because of the carelessness of another driver.

Call Hagelgans & Veronis Today at (717) 295-7009 for a Free Consultation and Speak with an Experienced Personal Injury Lawyer.

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