Why is it important to call my own insurance company after an accident? Shouldn’t the at-fault driver’s carrier be paying for my treatment?

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In Colorado, the insurance company of the at-fault driver is not obligated to pay for medical expenses as you treat.  Your own automobile policy with your insurance company may have coverage that can pay for these expenses as you incur them.  This coverage is called medical payments coverage.  Insurance carriers doing business in Colorado must offer the coverage.  If your insurance claims you do not have medical pay coverage, please understand that you must reject medical pay coverage in writing after that coverage has been fully explained.  We will help guide you through what coverage may be available to you to help pay for treatment and obtain that coverage for you.  In almost all cases, making a claim for benefits from your own policy will not raise your premiums or cause you to lose coverage.

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