Insurance Policy Discriminating Chiropractic Care
As an experienced Sacramento Personal Injury Lawyer, I know how important medpay coverage within my clients’ automobile insurance policy. Essentially, Medpay coverage is an option within your auto insurance that pays your medical bills or the medical bills of anyone in your car injured in an auto accident. Medpay pays regardless of who is at fault in an accident, and I believe having a minimum coverage of $10,000 medpay is prudent. Medpay is very reasonable. The most expensive part of any auto insurance policy is always the liability coverage which protects the driver or owner if they are at fault in an accident.
Today, for the first time in 30 years, I found a medpay provision in an auto insurance policy that takes away from the injured party the right to choose the provider he or she wishes to treat their injuries.
A policy I reviewed by Anchor General Insurance specifically excludes care by a chiropractor or an acupuncturist after an accident. Although I am not surprised by this, as Anchor General has an abysmal reputation in California, I believe that consumers should read their policies rather than be caught unaware when it is too late.
Chiropractors do a great job of handling cervical and lumbar strain injuries.
Look at the fine print in your policy today to avoid unpleasant surprises.