How to Prepare for a Car Accident

You really need to know what to do to prepare for a car accident, obviously, in advance of the accident itself.  The purpose of this article is try to cover some basics as to what you need to do to protect yourself before an accident happens.

This is all about car insurance. It’s all about what kind of coverage you have and how you  can protect yourself, right now, today, before any accident happens. The bottom line question in this area is, what can you do to protect yourself from the “other guy.” This means the at-fault driver who causes a crash, hits you and injures you, affecting your life, your work and likely even affecting your relationships. What can you specifically do, right now? Today?

Whether it’s a hit and run, a driver whose insurance has “expired,” a driver who doesn’t carry enough insurance and/or any accident and/or any other type of irresponsible driver, you must do the following:

  1. You need to contact your own car insurance company and increase your med pay (meaning medical payments coverage) to the highest amount you can afford and to the highest amount that your insurance company provides. Please note: Some insurance companies don’t provide any more than the  $5,000 statutory minimum.  Other companies provide, for example $25,000 of coverage,

$50,000 of coverage and some even go as high as $100, 000 of coverage. This is for payment of your medical bills. This is critical and essential.

The question you might have is: Why would I have medical payments coverage through my own car insurance company when I have other “health insurance” and I can get my medical bills paid that way? The simple answer is that there is a relatively new Statute in Colorado mandating that the car insurance companies have no rights of subrogation against your recovery against the at-fault driver. This means that your car insurance company has to pay your medical bills, but you do not have to pay them back once you recover from the at-fault driver’s insurance company. If you have other regular “health insurance,” there’s a substantial likelihood that you would have to pay part or  all of the medical bills back to your Health Insurance Company, by taking that money out of your pocket  and giving it back  to the insurance company.

Have you or a loved one been injured in an accident? Call us for a free case evaluation.

(303) 795-5900