August 24, 2008 by Zale.

So you believe that the person that hit you did it intentionally.  You think that that fact will help you win over a jury.  Well, maybe so, but that does not mean their insurance company will pay up.  That’s right.  Insurance policies are designed to pay for the NEGLIGENT actions of the policyholder, not the INTENTIONAL acts of the policyholder.

So, when you are talking to the adjuster and you think that telling the adjuster that their policyholder INTENTIONALLY injured you, don’t be surprised when you promptly receive a denial letter from them.

If you have any more questions about this topic, or a similar personal injury or insurance related topic, contact the Dowlen Law Firm, PLLC, serving all of Middle Tennessee.

Posted in Injury Law, Insurance Practices, Insurance Law | No Comments »

August 24, 2008 by Zale.

Generally speaking, Med Pay is medical payments coverage that is found on your Automobile policy.  If you are injured in an accident, it can come in quite handy.  So, here’s some commonly asked questions regarding it.

Why should I use it instead of using the coverage of the person who hit me?  Well, the coverage of the person who hit you is NOT going to pay as you go to the doctor.  Your Med Pay will, up to its limit, and then it will get reimbursed when you settle with the other person’s coverage.  You probably don’t know how long you will be treating, so go ahead and get the bills paid.

Why does my health insurance coverage want to know if I have any Medical Pay coverage?  Well, normally Med Pay is the first coverage that is to be used when there is an automobile accident.  Chances are that your health insurance policy says that it is secondary to Med Pay coverage, and if you refuse to tell your health insurer about the coverage, they may be able to deny your claims until you comply.

Will using this coverage increase my insurance rates?  Generally speaking, it’s not supposed to.

Do I need an attorney to help me with my Med Pay claim?  Generally no.  Most insurers don’t mess around too much with this coverage.  But if you have filed a Med Pay claim that has been denied, then talking to an attorney is not a bad idea.

Do I have to fill out all these papers my Med Pay adjuster sent me?  Well, only if you want the claim paid.  They can require you to comply with the policy to get the claim paid.

If you have any other questions regarding Med Pay coverage or an injury claim, feel free to contact the Dowlen Law Firm, PLLC.  We are a law firm that covers all of Middle Tennessee.

Posted in Injury Law, Insurance Practices, Insurance Law | No Comments »