Understanding Medical Payment Coverage on Your Auto Insurance Policy

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Understanding Medical Payment Coverage on Your Auto Insurance Policy

Many auto insurance policies include medical payment coverage. That coverage is there to provide money to pay for medical bills for injuries suffered as a result of an auto collision. When dealing with insurance companies and hospitals, many times the medical payment coverage gets mixed in with health insurance coverage, and not to the injured party’s benefit.

When you are injured in an auto accident and you go to the emergency room, hospitals make you sign paperwork, and they will ask about your auto insurance. And they are very quick to jump out and bill your medical payment coverage in the hopes of getting paid under that coverage, rather than your health insurance. The reason is the hospital and your health insurance company likely already have a negotiated contract that spells out how much the hospital will be paid for medical services.

However, the hospital will often bill your auto insurance under medical payment coverage in the hope that since there is no existing contract, the auto insurance company will cover the full amount of the medical bills, rather than the negotiated rates established with your health insurance. Oftentimes this is exactly what happens, because your auto insurance company is quick to process the bills under the medical payment coverage to close out your claim. Usually, medical payment coverage is in the $1,000 to $5,000 range, although there are insurance companies who will offer more.

At Willis, Willis & Rizzi our concern with this tactic is that the medical payment coverage is now gone, and you didn’t even know what happened! And in some situations, you may need to see your primary care doctor again and have additional tests or treatment that may not be covered under your health insurance. But you have some coverage under your medical payment coverage, right? But then you find out your auto insurance company already paid out the money from your medical payment coverage!

Don’t try and go it alone, call us today!

Having medical payment coverage is one thing, but knowing how to deal with it is another. And this is why it is important to hire a personal injury attorney who is navigating all of these insurance complexities. You have enough going on to try and get better from your injuries or help a family member who has been injured. You don’t have time to try to navigate the insurance companies and who should be billing who, and what has been paid and by whom, and what ultimately is in your best interest.

If you think about football and your in the blue tent on the sidelines trying to figure out what is going on and you have your health insurance company, your auto insurance company, the hospital, and other medical providers out on the field doing what they think is best for THEM, and you’re not involved in the conversation. So, you should hire someone who is outside of the blue tent, out on the field running the show on your behalf because at the end of the day, you are the injured party.

Call Willis, Willis & Rizzi today at 330-535-2000 or fill out the inquiry form on this page and speak to a personal injury attorney.

Auto Insurance Policy Exclusions You Should Ask About

There are situations where many of the large auto insurance companies (think of the ones you see advertising on TV) have insurance coverages that have a lot of exclusions or “holes” in the coverage they provide. It’s important to ask your insurance agent or company about these types of situations if you are often on the road with the potential to be hit by a vehicle. Are you covered under your auto insurance policy? Some companies will cover you while others will not.

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Children Drivers and Auto Insurance Coverage

One of the largest insurance companies in the world will use a tactic where they will designate an individual as an insured under your auto policy, or as a driver. They will also encourage their insurance agents to list children who are under your policy as drivers rather than insured – because the coverage is watered-down for someone listed as a driver as opposed to being listed as an insured.

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Insuring Yourself for What You Think You Are Worth

Why should you insure yourself for more than the state required minimum amount of coverage? In Canada, the minimum required auto insurance coverage is $200,000 dollars. By way of comparison, how many people in the United States have $200,000 in auto insurance coverage? Very, very few!

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The Reality of Personal Injury Case Settlements

The Reality of Personal Injury Case Settlements

At Willis, Willis & Rizzi we have over 35 years of experience in helping clients with the legal side of their personal injury cases in the Akron, Ohio area. Our attorneys and team work hard for our clients to give them every opportunity to make as full a recovery from their injuries as possible. That means we handle the legal aspects of the personal injury case so our clients can focus on their health and recovering from their injuries.

Simultaneously, we devote a significant amount of resources into achieving the largest monetary settlement possible. Unfortunately, the reality in the State of Ohio is that an individual is only required to have $25,000 in automobile insurance coverage. If you have any type of medical bills resulting from injuries sustained in a vehicle collision, $25,000 does not go very far when you consider an emergency room visit, ambulance bill, treating physician, radiology, or even a short hospital stay. And when your health insurance provider pays money out to cover your medical expenses, they will be coming after you to be reimbursed for those expenses.

When dealing with personal injury cases it’s critical to have a law firm that has your best interests at heart. The business model of many personal injury law firms is one of mass volume. Their goal is to bring in as many cases as possible and move those cases in and out as quickly as possible. They have to keep the machine rolling. When the insurance company of the at fault driver who hit you offers a low settlement, and your attorney accepts it because they have to close your case and move on to the next one on their list – this doesn’t help you.

It’s Not How Much Money We Can Get You, It’s How Much Money Can We Save You

When you are a client of Willis, Willis & Rizzi we understand the reality of personal injury case settlements. Oftentimes in our cases our approach is not how much money can we get you in a settlement, it’s how much money can we save you. This is especially true when we are dealing with a case where there is only minimum amount of insurance coverage available, and you have multiple parties each trying to get their own reimbursement from that available coverage. You need a law firm that will devote their resources to protecting your interests and saving as much money as possible to help you make as full a recovery as possible. A mass marketing, assembly line personal injury law firm is not going to get you the best result.

Contact Willis, Willis & Rizzi at 330-535-2000 or fill out the inquiry form on this page and speak directly to one of our personal injury attorneys. We will fight for your rights and save you as much money as possible in your case.

Your Best Choice for Personal Injury Lawyers Akron, Ohio

If you are in need of legal representation for an injury suffered in a car accident or other type of accident, call the team at Willis, Willis and Rizzi at 330-535-2000, or fill out the inquiry form on this page and speak directly to a personal injury attorney. Willis, Willis and Rizzi separate themselves from the typical personal injury law firms near the Akron, Ohio area in that we do not take on mass volumes of personal injury cases. Other law firms are very aggressive with their marketing to get as many injury cases into their case funnel as possible, it is similar to an assembly line of personal injury cases. And what happens is an individual with a case is signed up quickly, and oftentimes settled very quickly for a low dollar amount which may not even cover your medical bills let alone provide any recovery or compensation. This happens because the law firm has so many cases going on to feed their marketing machine, they can’t take the time required to fully explore your case. They have to get you in and settle quickly so they can move on to their next case.

At Willis, Willis and Rizzi we take a different approach. If we take on your case, we will bring all the resources we have to explore fully the details of your case. We will dig deep to find evidence related to your case as well as look for insurance coverages where none was thought to exist. We handle all of the legal aspects of your injury case and act as a firewall to buffer you from the constant barrage of phone calls and letters from insurance companies and other law firms so that you can focus on getting better.

And that really is our primary concern: seeing our clients make as full a recovery as possible.

Generally speaking, all attorneys work on contingency fees and those fees are standard throughout Ohio. So, if it costs the same – why settle for a law firm that essentially is a fast food restaurant, moving orders in and out as quickly as possible? There are better options!

If you have been injured in an auto accident, or a commercial vehicle or truck accident contact Willis, Willis & Rizzi at 330-535-2000 or fill out the inquiry form on this page and learn how we can help you with your personal injury case.

Challenges in Personal Injury Cases Involving Medicare or Medicaid

Often the best outcome for the client is not just collecting the most money available but saving the most on the back end as well. Since attorney fees are paid on the amount collected there is little incentive for mass marketers to worry about what amount they save for you. Contact us today at 330-535-2000 for a free consultation with a personal injury attorney and let us help you.

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Why You Shouldn’t Handle Your Own Personal Injury Case

why-you-should-not-handle-your-own-personal-injury-case

The topic “why you shouldn’t handle your own personal injury case” speaks for itself. Trying to handle your own personal injury case is a lot like trying to step through a mine field. The insurance companies will throw multiple obstacles in your path to getting resolution. If you have been in an accident and have medical injuries and bills, don’t hesitate to contact Willis, Willis & Rizzi so that we can help you navigate the mine field of obstacles that insurance companies will present.

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Willis, Willis & Rizzi Support Akron PorchROKR 2023

Willis, Willis & Rizzi were proud to be a part of PorchROKR 2023, which takes place in the Highland Square neighborhood in Akron, Ohio.

PorchROKR is a unique outdoor musical festival showcasing many different musical talents from around the area. Additionally, there are many artisans and creative vendors offering their creations for sale.

Willis, Willis & Rizzi’s property hosted several musical acts and vendors throughout the weekend, as well as an artistic mural which was painted by volunteers and festival attendees