Posted on May 20, 2009 in Personal Injury
At Galfand Berger, our Philadelphia car accident attorneys work on cases involving car accidents in Philadelphia, throughout Pennsylvania and in New Jersey. Our clients often say they are “fully covered” for accidents. Too often, they find out later they are not protected. Liability (Bodily Injury), Property Damage and Medical Expense must be part of every auto policy in Pennsylvania. You do not have to ask for them; they have to be in the policy. You, however, must decide on the amount of each coverage.
Medical expense pays for the medical bills of you and your family regardless of who was at fault in the accident. The range of coverages that insurance companies must offer is from $5,000 to $100,000. These medical expenses include hospitalization, surgical, chiropractic, ambulance, physical therapy, psychiatric, psychological, medications, medical supplies, prosthetic devices, audiology, speech pathology, osteopathic, dental, occupational therapy, optometric services and nursing services.
These bills should be paid by your insurance company within thirty (30) days after it receives reasonable proof (bill and supporting report) that the medical expense was required for necessary treatment. If you have adequate health insurance through your work that also covers your family, you may want to save some money and get the lowest Medical Expense coverage. If you select the lowest Medical Expense option, your first $5,000 in medical bills is paid for by your auto insurance. After this initial $5,000 is used up, you then send your medical bills to your health insurance company (Blue Cross/Blue Shield; HMO; etc.)
Another reason to select low Medical Expense coverage is that some doctors do not want to treat patients covered by auto insurance. Under the new auto law, doctors are limited to collecting only 110% of the Medicare/Medicaid schedules for bills and the doctor’s bill is subject to a review where their bill could be rejected.
For more information about auto accident insurance, you can request a copy of our free insurance toolkit written by Galfand Berger’s auto accident attorney, Eric J. Swan to help answer the variety of questions that arise when someone is injured in an automobile accident.
Galfand Berger, LLP
1818 Market Street, Suite 2300
Philadelphia, PA 19103
The Philadelphia car accident attorneys of Galfand Berger who work on cases involving car accidents in Philadelphia, throughout Pennsylvania and in New Jersey provide information about auto accident insurance and medical expense coverage.