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Dr. Cramer's AUTO ACCIDENT & WHIPLASH CENTER * 719-433-0750 * 3803B Palmer Pk Blvd., Colo Springs
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Auto Accidents
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CHIROPRACTIC & ACUPUNCTURE*, ARE NOW COVERED BY
AUTO INSURANCE!!
Chiropractic Treatment IS Covered By Auto Insurance, and with the New Legislation including
a $ 5,000 Minimum Mandatory Med-Pay, Your Auto Insurance will once again cover Your
Chiropractic Care, regardless of who is "At Fault"!! Let me give you a FREE Chiropractic Orthopedic evaluation,
to see if you could benefit from a course of treatment.
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TREATMENT FOLLOWING A CAR ACCIDENT CAN BE CONFUSING: We are NO LONGER under a TORT System,
so Colorado Law now allows those at fault to get treatment if they are involved in an
automobile accident.
If you are the one who is ticketed (AT FAULT) in an accident, and you have
been injured, you have 2 options if you want Chiropractic, Acupuncture, or Laser treatment:
1) Use your MED-PAY
to cover your bills. You pay for it every month in case YOU are in a car accident. Use it!!! If you sign off on
your Med-Pay and opt out of it, you may find that your medical bills won't be paid by either your Health Insurance or your
Auto Carrier--So, BUY THE MED-PAY ! It costs about $ 10 per month and is worth it!
2) If you purchased the MANDATORY MED-PAY from your Insurance Carrier, which ranges in coverage
from $ 5,000 to $ 25,000, you can use this to pay your "at fault" medical bills. If
you have a $ 5,000 Med-Pay, and there were 4 people in your car injured, they ALL get $ 5,000 worth of Coverage just like
you do!! Be aware that if you were at fault, and you use your Med-Pay to pay your Doctors, your Insurance rates may
go up...but, at least, you are getting the care you need.
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IF YOU ARE THE VICTIM IN A CAR ACCIDENT:
This means that you did NOT
receive a ticket, and that someone else hit you, or Caused the accident. You have 2 options, if you have been injured and
want care:
1) You can use your Med-Pay to pay your Doctor bills, and your Insurance rates WILL NOT go up, because the
accident was not your fault. Your Insurance Company gets reimbursed by the AT-FAULT driver's INSURANCE CO., this is called
"subrogation".
2) You will be required to sign a Doctor's Lien for any bills
that exceed your MED-PAY, which means that the Doctor will wait until you SETTLE with the AT Fault person's Auto
Insurance company to have your excess, IF ANY, bills to be paid. Please be aware that court cases can be years
after the accident.
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LIENS, LAWYERS, and MED-PAY:
In Colorado, you will most always have to sign
a Medical Lien if you are going to treat with a Medical Doctor, Chiropractor, etc., regardless if you have
Health Insurance, Med-Pay, or an Umbrella Policy. It just means that the Doctor agrees to be paid out of any settlement money
for his/her treatment, usually if it exceeds the minimum amount of the Med-Pay.
Sometimes your entire Med-Pay is
used up on your first day's trip to the hospital in an ambulance, emergency room bills, MRI's and attending Doctor's bills.
In this case, we will require that you have an attorney represent you. Lawyers can help if you start getting abused by the
Insurance Company, and can negotiate for you if your bill go beyond the Med-Pay amount.
If you haven't purchased
a Med-Pay, it is good to do so. Minimum Mandatory Med-Pay is $ 5,000 per person. This coverage should cost you less than
$10 per month. You will still want to sign a lien for amounts of treatment that exceed your Med-Pay amount,
but you will be required to start with at least $ 5,000 coverage in the beginning.
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MY AUTO ACCIDENT INJURY SOLUTION:
If you are the VICTIM in a Car Accident and want Chiropractic
and/or Acupuncture from a Board Certified Chiropractic Orthopedist, and you were fortunate enough to find one in Colorado
Springs (Me), and you don't want to get stuck with a huge Doctor bill, you can do the following:
Call me at
433-0750, and come to the office. Fill out a form which takes about 5 minutes, and mention my web site to receive a FREE Electronic
Meridian Imaging test (EMI). The test is painless, takes 5 minutes to perform and consult with me about your injuries.
We will work with you and/or your attorney if needed to get the most for you in terms of treatment and in your settlement.
Your MED-PAY may pay any or ALL of your bills. Call for an appointment: 719-433-0750 No Obligation! IF
YOU HIT Someone: YOU will be required to carry at least a $ 5,000 Med-Pay, which pays your CHIROPRACTIC bills if you were
At Fault, but got injured anyway--
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