Even if there are no serious injuries, it is a good idea to call the police AND YOUR INSURANCE COMPANY AS SOON AS POSSIBLE. You may need a police report to file a claim with your insurance company, even if it is just to make a claim for damage to your vehicle. The vehicles involved in the accident should remain where they are, unless they interfere with traffic.
Having an officer at the scene of the accident will expedite the exchange of information between all parties involved. No matter who is at fault.
Second, notify your insurance company as soon as possible. Many policies require immediate reporting and full cooperation. Find out if you have medical benefits as part of your insurance coverage. You pay extra for that type of coverage – known as “medpay” – so you should use it. In fact, if you have medpay coverage, you are required to submit your accident-related medical bills to your insurance company. Medpay coverage is primary for accident-related medical bills.
Once medpay benefits are exhausted, private health insurance becomes your primary insurer. Medpay benefits are available to all the occupants of the vehicle. Your insurance rates should not increase as a result of submitting claims for medpay coverage.
Contact The Law Office of Christopher German 720-675-8070 and become armed with the facts and details you need. We will come to you, your home, your office or the hospital, if necessary.
You’ll be glad you did!