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At some point in our lives, many of us are involved in a car accident. Though most people know what to do in the event of an accident, few know what happens after the accident. Here are a few tips to keep in mind prior to and after an accident:
- Purchase a med pay rider on your auto insurance policy. Med pay will take care of your medical bills should you be injured--no matter who is at fault. It is usually not that much extra
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per year but will save you thousands should you need to use it.
Note: The State of Colorado use the tort system, which means whoever is at fault pays for the injuries of anyone who is hurt.
- Report the accident to the police and attempt to get a copy of the police report. Make sure to get all the insurance information from the other driver.
- As soon as you are able, be sure to write down exactly what happened.
- Report the accident to your insurance company immediately.
- If you are at fault, review your policy to determine whether you have med pay added to your policy. This additional option can cover many, if not all, of your medical bills.
- Obtain the claim adjuster's name, claim number, phone number, and billing address of where to send claims. This will be helpful for any doctors you see for injuries.
Things to Bring to our Office:
- A copy of the accident report
- Insurance company information (of the driver who was at fault), claim adjuster's name, claim number, billing address, and phone number.
- Copy of your med pay coverage (for coverage no matter who is at fault)
- Print and complete our auto accident form
- Any other information you feel would be pertinent for the doctor
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