Gary Bell Jr. and Brad Pollock

Important Information about Medical Payment Coverage

Important Information about Medical Payment Coverage

Medical Payments Coverage or “Med Pay” is optional coverage through your auto insurance that will pay for your medical bills if you’re injured in an auto accident regardless of fault. If you haven’t expressly waived Med Pay in writing, it’s presumed you have $5,000 in minimum coverage. You can find the amount of your Medical Payments Coverage on the “declaration page” of your auto insurance policy and purchase a higher amount of Med Pay by talking with your insurance agent.

Med Pay extends to your passengers and family members that live with you. Your Med Pay will also provide coverage if you, or a resident relative, is struck by an automobile as a pedestrian under most policies. Med Pay covers the cost of the ambulance and emergency responders as first priority, then care you receive in an emergency room, and finally any other accident related care you receive until your coverage has been exhausted.

Do you need Med Pay if you already have health insurance? The answer is probably yes. Most health insurance policies require a co-pay or deductible leaving you to pay out of pocket. Even if the accident is the fault of someone else, their insurance will not pay for your injuries until your treatment is complete and you have agreed to settle your claim. This can leave you owing on bills in the meantime and send your account into collections if you’re unable to meet the out-of-pocket co-pays. Insurance companies know that having outstanding bills can be very stressful and use it as leverage to pressure you into settling your claim for less than what it’s worth.

The cost of care paid by your Med Pay is a damage that an at-fault driver is liable for, but unlike health insurance, Med Pay does not need to be paid back after you resolve your claim with the at-fault driver’s insurance.

Often injured people refuse transport in an ambulance because they are afraid of the cost, leaving serious problems to go undetected, worsening their injuries. Medical Payments Coverage is protection against that fear. You should not waive your Med Pay. Instead, if at all possible you should increase your coverage above the automatic $5,000 in coverage.

If you have an accident in which someone is injured, you should contact an auto accident attorney in Colorado like Bell & Pollock, by calling (303) 795-5900 or emailing us via the contact form on this page.

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Call a trusted attorney at Bell & Pollock, P.C. at (303) 795-5900 to get on the road to recovery now. You can also email our firm via the contact firm on this page.

As proud champions of the people, our lawyers are ready to answer your questions, explain the law and your rights, and help you take whatever steps necessary to recover the compensation you’re entitled to. With us in your corner, you can be confident that you have the legal support and representation necessary to successfully resolve your claim.

Don’t delay your recovery for a second longer – and don’t be misguided into thinking that you have to go through the process alone. Our attorneys are here, ready to help – and you won’t have to pay us anything until (or unless) there is a recovery in your case.

You may confidentially submit your question and it will be answered by Bell & Pollock, P.C. The only little catch is that he does this as a public service and he's going to give you some general advice only. This does not make you a client of Bell & Pollock, P.C. There is no charge for this service.

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Case Results


CASE: Client was injured by a drunk driver. As a result of the motor vehicle accident, client was rendered a quadriplegic and needed a life care plan.
Outcome: $9,600,000

CASE: Against Insurance company for failure to pay for property damage after a gas and fire explosion.
Outcome: $1,600,000

CASE: Medical malpractice for failure to diagnose a descending aorta aneurism, resulting in death.
Outcome: $1,300,000

CASE: Neck and back injuries from car accident. Client had ongoing symptoms and needed injections for attempted remediation of pain.
Settled for $485,000

CASE: Client was injured in a 2 vehicle collision. She suffered a traumatic brain injury, concussion and multiple injuries to the neck.
Outcome: $6,000,000

CASE: Client was in her car and was T-Boned by a commercial vehicle. Her cerebral spinal fluid leaked and she suffered a concussion and traumatic brain injury with neck and lumbar (low back) injuries. Her neck injury caused radiating pain, numbness and tingling in her arms.
Outcome: $3,400,000

CASE: Client was driving on a rural road when another car crossed the center line and caused a head-on collision in the snow and ice. Client did physical work for a living. Both knees were injured, along with a neck injury.
Outcome: $2,300,000

CASE: Client was driving on South Parker road when another vehicle rapidly changed lanes and rear-ended the client. That vehicle was cited for careless driving. The collision caused a concussion with traumatic brain Injury. Client missed time from work and had a positive correlation between brain scan and neuropsychological test results.
Outcome: $950,000

CASE: Client was rear ended by a dump truck, was then knocked forward and hit another vehicle. Client had a concussion with traumatic brain injury. Client underwent a brain scan which showed hypoperfusion, correlated with her concussion symptoms. Client suffered neck injuries and injuries to her low back.
Outcome: $650,000

CASE: Client was rear-ended. The mechanism of injury from the forces in the collision caused her neck injury and at the same time, damaged her organs inside her throat. Client had swallowing and choking issues.
Outcome: $1,250,000

CASE: Client was in a motor vehicle accident. Both injections in the neck rendered some temporary relief. The Injections were transforaminal epidural steroid injections. Surgery was recommended on the lumbar (low back). The low back was injured by the forces in the collisions.
Outcome: $933,000

CASE: The client was driving in her car and was rear-ended thereby causing injuries to her lower back and neck. Client also suffered a concussion. Client had to undergo facet injections multiple times, through multiple procedures. Client also had cognitive issues which required cognitive training and therapy.