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Governor Bill Ritter signed Senate Bill 011 to give before the law this month, Colorado motorists access to a valuable way to pay medical expenses in case they were injured in a car accident.

Over the past four years since the legislature repealed the No-Fault Law (formerly requested that caused the illness, accident, medical expenses) to cover victims of accidents have discovered too late that they are incapable ofmedical care they need after an accident.

Under the new law (now codified as CRS Sec. 10-4-635, et. Seq.). Car insurance now have to provide $ 5000 of medical payments ( "Med-Pay), coverage for insured Colorado. This is an optional cover that can be dismissed by those who do not want this type of coverage. Will not increase premiums for all insurance industry lobbyists threatened.

Most riders would Coloradobenefit from this, has this additional coverage as part of their automobile insurance to a certain extent. The following guidelines will help you determine what coverage you should choose Medical payments under your policy:

1. Drivers who can not have its own health insurance, in fact, if not currently on this med car to pay for health insurance coverage, as the only way would be able to pay for your medical care after an accident d ' car –even if the accident was not your fault. Most doctors and medical providers do not see a little 'patience if they have no insurance, unless it is a life or death emergencies. If not by the health insurance you should buy essential med-pay coverage under your auto insurance. In fact, I recommend you buy the coverage because the machine provides support material.

2. With the drivers of health insurance that excludes coverage for automobile accidents: In recent years, health insuranceCompanies have begun to limit its liability to pay for accidents related to medical care, excluding such coverage from their policies. This means that you pay for accidents related to medical care of their own pockets. Unfortunately, many people fail to understand that such a policy until it is too late and have already been injured in an accident. It is very important for you to read his policy and see if it contained such an exclusion. IfYes, you must also purchase med-pay car as much as possible.

3. Pilots with great Deductible Health Insurance: any person whose health insurance should not step in and pay-performance has been achieved to a high threshold of Med pay coverage deductible secure out-of-pocket expenses or deductions not paid by their health policies cover. For example, many catastrophic health policies will not pay the first $ 10,000.00 in medical expenses incurred during an accident. TheseThe driver must obtain sufficient funds to cover this gap.

4. Drivers whose health policies limit physical therapy Coverage: Many group policies in Colorado, the number of visits, treatment of an insured person may, one for each condition in a political year. If your policy allows only 20 visits of physical therapy for years, may be useful to provide a small amount of Med-pay coverage, additional therapy did not go to pay their own pockets.

5. Motorists seekingZero Out-of-pocket liability: Even if you have a good health insurance with low reliefs – You can pay hundreds of dollars to be spent meeting your deductible or co-operation. This new coverage will mean that this gap in coverage for those who choose to be closed, the purchase med-pay coverage.