Policies issued or renewed on or after Jan. 1, 2009 must include $5000 in medical payments coverage. However, similar to the Uninsured/Underinsured Motorists Coverage, the insured has the option to reject this coverage. If the insured rejects the medical payments coverage the insurer must maintain proof of such rejection for a minimum period of three years. (The rejection must be in writing or in the same medium for which the application for a policy is taken.) The companies may also offer higher limits of medical payments coverage; however, the company may not “roll on” any limit greater than $5000 without the consent of the insured. If you are having difficulty working with your insurer, it may be in your best interest to contact a Colorado Springs bad faith insurance attorney. Your attorney will work to insure your rights are protected in your dealings with the insurance company.
The first $5000 benefit of medical payments coverage must be reserved for a period of 30 days to cover first responder and trauma care. The insurer must prioritize the $5000 reserve to be paid first to ambulances or air ambulances that provide trauma care at the scene of or immediately after an accident. After payments have been made to the first responders to an accident, benefits shall be paid next to trauma care physicians providing trauma care or stabilization of an injured person and then payments shall be made to the trauma care center. After payment to these providers has been made any additional benefit would be paid to other treating providers.
The insurance companies do not have a right to subrogation of the medical payments coverage.
Contact Our Colorado Springs Insurance Dispute Attorneys
If you are having difficulty dealing with the insurance company, perhaps the most beneficial action you can take is to contact an experienced Colorado Springs insurance dispute attorney who can be your advocate, ensuring you are treated fairly.
At the Rector Law Firm, our Colorado Springs personal injury attorneys have the experience and the resources to build a case that is designed to obtain maximum compensation for our clients. Contact our attorneys today at 719-578-1106 for a free initial consultation and review of your case.