Winter is here and accidents are already on the rise. Here are a few basic tips as we navigate the busiest time of year for auto accidents.
If you’re involved in an accident during a snow storm, you may be asked to file a report at a later time since police may be unable to respond to every auto accident. Do file a report with the police right away and be sure to notify your insurance carrier immediately. In addition, it is important that you seek medical help right away if you’ve been injured. Having a gap or lapse in your medical treatment will prolong your recovery time and make insurance carriers wary of your claim.
If you have been injured and you have group health insurance coverage, you need to use it to pay your medical bills. Your group health insurance has contracts with the medical providers and typically obtains reductions of about 50% from the medical providers. Use your auto insurance med-pay coverage to cover anything your health insurance does not cover!