Monday, October 29, 2012

What is a pinched nerve?


All the injuries that come with being hurt in a car accident, hurt on the job or hurt playing your favorite sport.




We've discussed many injuries in previous blogs.  If you have missed any of them you can catch up by clicking here.

One of the most annoying injury you can receive is a pinched nerve.  One of the most common symptoms of a pinched nerve is the "asleep" feeling that your hands or feet feel.  When you sit on your feet, incorrectly, when you stand up your foot tingles.  The nice thing about this is it will eventually go away.  When you have a pinched nerve what is causing the problem is internal.  According to WebMD:  
"The term pinched nerve describes one type of damage or injury to a nerve or set of nerves. The injury may result from compression, constriction, or stretching. Symptoms include numbness, "pins and needles" or burning sensations, and pain radiating outward from the injured area. One of the most common examples of a single compressed nerve is the feeling of having a foot or hand "fall asleep." Pinched nerves can sometimes lead to other conditions such as peripheral neuropathy, carpal tunnel syndrome, and tennis elbow. The extent of such injuries may vary from minor, temporary damage to a more permanent condition. Early diagnosis is important to prevent further damage or complications. Pinched nerve is a common cause of on-the-job injury."
So what can be done about a pinched nerve?
Picture borrowed from www.necksolutions.com

Collars and splints are the "easiest" way to treat a pinched nerve.  Physical Therapy is time consuming but should be your first course of action for a pinched nerve.  If collars, splints and Physical Therapy are not working it may be time to to look into corticosteriods.  I do want to mention that I received a corticosteriod injection and it actually it worse and added other symptoms to my list of problems.  If none of the above is working it may be suggested to you for surgery.  I looked into surgery and choose not to have it.  Some days I wish I had chosen the surgery but most days I am happy with my decision.  Here's what helped me make that decision:  There is no guarantee that it will correct your problem.  Some of these injuries are irreversible.  To be fair I was given a 95% chance of success but when I fell into the 2% of corticosteriods injection will make it worse I decided the odds were against me with my injury.  I spend each day doing some type of physical therapy and trips to the chiropractor to assist on those bad days.  As I am writing this my hand is "tingling" and has that feeling of being asleep.  I have learned to live with the occasional "asleep" feeling and recognize when I need additional treatment.

Each situation is different.  Each person is different.  Each pinched nerve is different.  Find a Doctor you respect and work together on what your treatment options are.  Don't ignore the situation as this could lead to other complicating issues as discussed earlier.  Get treatment soon and discuss all of your options.  Knowledge is Power!


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1515 Fortino Blvd., Pueblo, CO  (Located inside Premier Back Rehabilitation)   

Sunday, October 21, 2012

Tips for keeping Halloween safe!



The Center for Disease Control says that children are four times more likely to be involved in a car/pedestrian car accident on Halloween than any other day of the year.  (Vincent Iannelli, M.D.)  


These statistics make sense but are senseless:  



  • it gets darker sooner
  • children are running around getting free candy
  • children are often in costumes that are dark or do not have reflective colors on them
  • children often wear masks and cannot "see" enough
  • the list is endless of why
What can we do about it:
  • Spread the word about the need for drivers to drive SLOW and pay extra attention
  • PUT DOWN the cell phone
  • Parents:  Drive or walk with your children trick or treating
  • TALK to your children about safety
  • Walk in large groups and cross the streets quickly and together
  • Older children hold the hand of younger children AT ALL TIMES.  (This should be done when any young child crosses the street at anytime of the year)

I also want to suggest that children do not go out trick or treating during "rush hour" of people coming home from work.  Most people get off work at 5:00 PM, and let's be honest we are all tired when we come home from work.  Even though it is darker at 6:30 PM their will be less "non trick or treater vehicles) on the road.  There are also many Adult Halloween parties happening so try to be done with trick or treating by 8:00 PM. 

If we all spread the word, talk about the dangers with each other and our children, proceed with caution we can reduce the number of children hurt on Halloween by car accidents.

Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website

1515 Fortino Blvd., Pueblo, CO  (Located inside Premier Back Rehabilitation)   

Saturday, October 20, 2012

Alternatives to pain medication


Let's face it.....we live in a world where time is of the essence and we all want that quick fix. 

So we take a pill to relieve our pain.



I've written about what happens when we take pain medication too long and how it will trick our bodies into thinking we are in pain.  If you missed that one you can read it here.

What can you do to relieve or eliminate your pain without taking a pill? 

  • You have to WANT to do it
  • You have to find a Doctor who will get to the bottom of your pain
  • You have to take the time to work with your Doctor
  • You have to WANT to do it....wait, I said this already.  It's worth repeating.
The the only thing about pain treatment that is the same is the PAIN.  Technology is changing all the time and if you are not meeting with a Doctor who uses the latest technology....well, taking a pill is probably going to be the result which means for most of you living with pain will become an everyday event.

You were hurt in a car accident, at work, however it happened.  You hurt your neck or back, MRI's and X-rays prove it, so you know why it hurts.  That is the simple part
  • Pain medication
  • Physical Therapy
  • Possible surgery
Wait, it's years later and you still hurt!!  Your friends have told you (because they have a friend, an uncle or themselves) get used to it...you will never be the same. 

Let's face it...we live in a busy world so if we are going to be in pain we forget the Physical Therapy and take a pill to get through the day.

What can you do?  Research!  If the internet is not your thing, pick up the phone and call a friend who is good at it.  Find a Doctor that uses the latest technology and make an appointment.  

If you are in Southern Colorado I highly recommend Colorado Car Wreck.  If you are not in Southern Colorado call them anyway....they may have a referral for you in your area.

Want to learn more about the latest technology that may put the pep back in your step?  Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Thursday, October 18, 2012

Are pain medications your friend?


You are in pain, for whatever reason.  You are prescribed pain medication and the pain goes away or makes the pain tolerable.




What happens when you have long term pain?  You continue to take narcotics so you can get through the day.  I am not going to discuss the addiction aspect of taking pain medication as you have heard all this before.

I want to talk about what happens when you take narcotics too long for pain.  

Whether it be Vicodin, Percocet or Oxycontin when you take these too long your body will think it is in pain.  What these narcotics do is trick your brain into thinking it is in pain so you take more.  When another pill doesn't work you take more.  When that doesn't work you go to your doctor and your prescription is changed because you have built up a tolerance for that particular medication.

Here's the problem.  You don't know what the problem is...you just know you are in pain.  I am not saying that no one should take pain medication (I've had too many surgeries to say this).  What I am saying is if you are in pain for a long period of time you need to find out why and get to the bottom of it.  Work with your doctor or specialist to fix it...not mask it.

Don't believe me?  Go a few days without your pain medication.  I know you are thinking, ARE YOU KIDDING ME?  If you are off weekends stop on Thursday and see how you feel on Sunday.  If you are in pain take Advil.  Advil works wonders and few realize this because you don't need a prescription.  I cracked my rib cage many many years ago.  I did it again this last year.  It happened right before the weekend so off the the emergency room I went.  Ahhh percocet.  It worked the first few days but after that the pain seemed to be worse.  I followed up with my primary doctor and he said quit the percocet and take Advil.  (I always thought he was a bit crazy).  Well, I did.  No percocet just Advil.....and you know what?  The pain went away.  Yes, I still knew my ribs were cracked but the pain wasn't keeping me down anymore.  This situation is different than those where you aren't sure why you are in pain.  I knew my ribs were cracked the X-rays told me.  

You may KNOW your back hurts because of a car wreck.  You may have had surgery to correct this...yet you are still in pain.  You may have had a second surgery and physical therapy and you are still in pain.  So you are looking at a lifetime of taking pain medications.  

Go see a doctor with "fresh" eyes.  The above story is a true story.  When my husband changed doctors (not because his old one was a bad doctor) but when fresh eyes treat you they don't have your history guiding them.  

Pain doesn't have to ruin your life.  Pain doesn't have to control your happiness.  Pain can go away or be treated so you don't depend on narcotics.  Try it.  

If you are in Southern Colorado I recommend Colorado Car Wreck (not just for car wrecks).  Get a fresh pair of eyes looking at the whole picture.

Good luck and tell me your pain story.  Your story may help someone else.

Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Tuesday, October 16, 2012

2nd Annual Scavenger Hunt for PAWS for Life, Pueblo


It's that time again...Halloween.  This time of year is fun for all ages.  What's really fun?  Scavenger Hunts...what's even funner....doing a Scavenger Hunt to help animals.  The first annual scavenger hunt was 2011 and was a big success!  This year we want to make it even better!!

How it works:  FIRST THING YOU NEED TO KNOW...........IT IS FREE TO PARTICIPATE!!!

Saturday, October 27, 2012
We start at PAWS for Life, Pueblo at 3:00 PM.  800 N. Pueblo Blvd. Pueblo, CO
Costumes are not required but recommended!  You can work alone or in a group!
You will be given places to go on the scavenger hunt; the list is must be taken to all businesses to be signed off on.

HINT:
Pet Paradise:  1115 Pueblo Boulevard Way Pueblo, CO
PetSmart:  4230 North Freeway Road Pueblo, CO
Petco:   5843 North Elizabeth Street, Pueblo, CO
are three of the stops (imagine that)

There are three hidden clues for the other business participating this year. 
HINT:  They are all in Pueblo West

You will be given a list of items that PAWS for Life, Pueblo needs that you may purchase if you want (not required to participate).  The list is below BUT you cannot purchase any of these items to be counted towards your donations until October 20th!  The items AND the receipt must be turned in at the end of the Scavenger Hunt.

When you go to the participating business you have to EARN the donations.  They can have you do anything to earn them.  The better you do the more you earn for PAWS for Life, Pueblo.  

SIX by SIX:  This means you have six places to go by 6:00 PM.  You have to be at 
Jimmy's Tavern 324 S. Mc Culloch Blvd., Pueblo West, CO  by 6:00 PM with your donations and signed sheets.  At this time the amount donated will be tallied up (this will include any purchases you made out of the kindness of your heart from the week of October 20-27th.)  

The winning person or team will win a $50.00 bar tab at Jimmy's Tavern.  Jimmy's Tavern will also be providing food for us.  

EVERYONE is encouraged to participate, all ages.  Prizes for children will also be provided.  

At Jimmy's Tavern there will be baskets that have been generously donated for everyone to try and win!  




EVERYTHING to put this scavenger hunt on has been DONATED!  Monies have been paid by the sponsors; 100% of everything, money, donated items, etc. goes to PAWS for Life, Pueblo. 








A GREAT BIG THANK YOU TO OUR 2012 SCAVENGER HUNT SPONSORS!!!


American Bank of Commerce
Pueblo, CO  719-595-7300

Local Motors
Pueblo, CO  719-546-1250

Rental Services
Nick Katzer 719-240-4639

Presidential Brokerage
Robert Stanlick  719-278-9712

Legal Edge
Rhonda Sposato  719-543-7455

VS Accounting
Pueblo, CO  719-543-8680

The Hassler Law Firm
Pueblo, CO  719-544-2929

Mobile Record Shredders
Pueblo, CO  719-544-5460

Manweiler Trucking
Now Hiring Drivers  719-543-0585

Jimmy's Tavern
Pueblo West, CO  719-647-1442

American Family Insurance
The John Zanotelli Agency  719-543-8744

Farm Bureau Insurance
The Teena Dodson Agency  719-924-9049
The Cheryl Cordova Agency  719-696-8697

Southwest Motors
Hwy 50  719-545-5700
Santa Fe:  719-542-2677

The UPS Store
Pueblo, CO  719-543-5800

Bark Hill Properties, LLC
Pueblo, CO  719-696-9973

Zeisler & Associates, Attorneys at Law, PC
Colorado Springs/Pueblo  719-358-2571

American Pool Players Association
John and Barb Anderson 719-404-3277

Coats & Tails Pet Grooming
Pueblo West, CO  719-547-8599

Arly's Hang-Up
Pueblo West, CO  719-547-3009

Premier Back Rehabilitation Center 719-924-5977
Colorado Car Wreck 719-778-9340
Pueblo, CO  

Freedom Consignment & Antiques
Pueblo West, CO  719-406-8196

Hymark Motorsports, Inc.
Pueblo West, CO  719-547-3478

Ed & Irene Russell


If you are in the area of any of these business or if you know any of them please give them a great big thank you!  

If you would like to donate a basket please contact Rhonda at 719-369-3921.

We would love to have some businesses challenge other business to see who can get the most donations!  


Let's rock this scavenger hunt this year!!!










Thursday, October 11, 2012

Driving on black ice: Tips that can save your life


Black ice.  One of the dangers of winter.  Driving on ice is dangerous enough but when you can't see it...it becomes more dangerous.  




Black ice is called black ice because it is transparent and you can see the asphalt through it...so it looks like the road. The one difference is sometimes it is "shiny" compared to the rest of the road.

What to do when you hit black ice:
  1. Remove your foot from the pedal immediately!  The last thing you want to do is give your car more acceleration while sliding.
  2. Press on the brake.  This part is complicated because what you do will be determined by what your brake system is.  Most newer cars have anti-lock brake system so you would press down on the brake pedal and allow your Anti-lock brakes to do the "pumping" for you.  You will feel the pumping action.  If your car doesn't have Anti-lock brakes than you will have to manually pump your brakes in a smooth even fashion.  
  3. Look ahead.  You want to do this so you can avoid any "trouble" spots ahead of; on-coming traffic, a light pole or tree, ditch, etc.  If you are driving and not sliding always be looking for black ice.  If you see it lift your foot off the brake and shift down.
  4. Turn your steering wheel into the direction you are sliding.  So, foot off the gas, brake pedal (as your car requires) and steer into the direction of the slide.  This will give you better control.
Remember:  Four wheel drives are not any safer on ice.  Drive safe and be careful...winter is coming.

Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Tuesday, October 9, 2012

Spinal Cord injuries




Understanding your spinal cord and what happens if it is injured in a car accident.



Your spinal cord is made up of a bundle of nerves from the waist that connects to the bottom of your brain which makes up your Central Nervous System.

It carries nerve impulses to and from the brain that initiates movement and sends sensory information to your brain; such as heat, pressure, texture, etc.

Your spinal cord is protected by vertebrae that surround the spinal cord.  This vertebrae plays an important role when you are in a car accident.  If just the vertebrae is injured than paralysis and/or disabilities may not be permanent so think of it as your guard dog. 

Car accidents are the cause for about 35% of spinal cord injuries which is the leading cause of spinal cord injuries.  It is estimated that about 10,000 people suffer spinal cord injuries PER YEAR. 

When you have a spinal cord injury:  these type of injuries can result in the loss of feeling, mobility or both.  These symptoms can come from just "damaging" the spinal cord.  Paralysis is determined on where the spinal cord is damaged or severed.  If the spinal cord injury is higher up to the neck it can affect both your arms and legs where damage lower will often only affect the legs.  

Other than paralysis injuries to the spinal cord include organ malfunction, loss of bowl and bladder control, ability to control body temperature, blood pressure and sexual functions.

As much as I wish I had the ability to control all factors while I'm on the road...this is not possible.  What is possible is what you do before.  You can keep your body healthy.  Strengthen your body with exercise.  Vertebrae are protected by muscle.  Certain exercises can help you strengthen the muscle and providing you a little more protection.


Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Tell me about your story.


Sunday, October 7, 2012

Post-traumatic headaches and/or migraines


Small car accident:  Big injuries.  I have talked about this before.  I can personally tell you that the injuries that you can sustain from a car accident can follow you forever.  


I never used to get "headaches."  Now I don't know what a day is like without one.  My injury: whiplash caused a major neck injury which has lead to my "headaches."  I use the quotation marks around the word headache because many tell me to "take an aspirin." Ah, if it was only that simple.  

The technical part of headaches after an injury:  (Provided by dcdoctor)
CERVICOGENIC HEADACHES
Cervicogenic headaches refer to headaches which originate from tissues and structures in the cervical spine or neck region. The headache is generally a very constant, strong, yet dull pain. The most common location of pain is around the orbital (eye) region and upper neck area but may also include other areas of the face, head and neck. The headache will typically last for one to three days and reoccur ever one to four weeks until properly treated. The headache may also be accompanied by nausea, vomiting, dizziness, ringing of the ears, and sensitivity to light and sound - similar to migraine headaches.
Cervicogenic headaches are caused by irritation or injury to the structures of the upper neck region, resulting in local neck pain as well as referred pain to the temporal and facial regions. This headache is often precipitated or aggravated by head and neck movements and by applying deep pressure to the muscles of the upper cervical area.
Chiropractic management of cervicogenic headaches is the best way to eliminate these headaches. Without addressing the problems in cervical spine the headache will continue to persist and worsen. Individuals should be warned that relying on analgesics to remedy cervicogenic headaches does nothing to correct the cause of the headache and generally worsens the headache in what's known as the "rebound effect".
This injury is often "overlooked" by the patient because we just assume a headache is part of the deal, right.  We complain about a headache....but our friends get tired of hearing about it and, as I said earlier, take an aspirin.  




If you have headaches that followed a car accident tell you Doctor!  It can be treated.  I will always have a "dull" headache unless I want surgery (which I'm doubting will happen).  Chiropractic management has kept me from the severe, blinding, "leave me the heck alone" headaches. 



Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Tell me about your story.

Saturday, October 6, 2012

Hiring an Attorney: What you need to know


What do you tell your Attorney?  
Everything!  I could end this here but I will go on to explain:

Don't "hide" anything from your Attorney.  What they don't know can come back and hurt you.

  1. Previous injuries:  You may not think it is important to tell your Attorney that you were in a car accident 10 years ago because your injuries are healed BUT if they are not aware of your past injuries than they can't fight the insurance companies when they tell them that your current injuries are pre-existing and aren't covered....and trust me the insurance companies will try.  Forewarned is forearmed.  
  2. Injuries since the accident:  If you are injured after your car accident you do not want that to cause problems for your current case.  Let your Attorney know of all injuries you sustain after the car accident so they can be prepared.
  3. How's your marriage?  Are you divorced or getting divorced?  If you were married at the time of the accident your spouse may be entitled to compensation and your Attorney needs to know this.
  4. Bills, Bills and more Bills:  They are a headache without a car accident and get even worse afterwards because you may have medical bills and may not be able to work.  If you have filed bankruptcy or thinking of filing tell your Attorney as your settlement could become part of your estate and your settlement could go to your creditors.
  5. Criminal History:  You may not think it is important that your Attorney knows you got a DUI seven years ago but the Insurance Company's Attorney will think it is important.  Most Criminal History will have no relevance to your case but you do not want your Attorney to be "surprised" by what is discovered.
In order for Insurance Companies to avoid paying you...they have to find reasons not to.  Don't let any of those reasons be something that could have been avoided had you been honest and forthcoming with your Attorney.  And, don't think that your history cannot be discovered because to avoid paying our settlements Insurance Companies DO THEIR RESEARCH!!  Don't let your Attorney get caught by surprised. 

One very important warning:  If an Attorney says they can't represent you because of xyz, do not leave xyz out when meeting with other Attorneys.  XYZ may be something that the first Attorney is not experienced in fighting where another one is.  EVERYTHING about you is important for the Attorney to know.  I have said this before but it is worth repeating.  Don't hide anything from your Attorney.  They are there to FIGHT for you, you just need to provide them with all the ammunition that can be used against you.

This is not to be construed as legal advice.  If you need any legal advice contact a personal injury Attorney in your area.  

Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Tell me about your story.

Thursday, October 4, 2012

A hidden danger that can kill you

In recent blogs I have discussed some injuries that you may receive if you are in a car accident. Some of these injuries you may not even know you have for weeks after the accident.  Today I want to discuss the injury you cannot SEE but could kill you if not treated.

Internal bleeding

We can all see when someone is bleeding when it is caused outside the body.  Simple, right?  Get it treated.  What happens when you are bleeding internally and can't see it, therefor, you don't know.

According to Medicine Net:
Internal bleeding occurs when damage to an artery or vein allows blood to escape the circulatory system and collect inside the body. The amount of bleeding depends upon the amount of damage to an organ and the blood vessels that supply it, as well as the body's ability to repair breaks in the walls of the blood vessels. The repair mechanisms available include both the blood clotting system and the ability of blood vessels to go into spasm to decrease blood flow to an injured area.
When you are involved in a car accident internal bleeding is a risk factor that needs to be known about.  If your head hits the steering wheel, windshield or something in the car flies up and hits your head you could experience internal bleeding in the brain.

If your chest hits the steering wheel your lungs could fill up with blood.

If your knee bumps the dash you could have internal bleeding in that area also.

No matter where your internal bleeding is you must get medical attention immediately.  

Stay tuned for symptoms of internal bleeding....it may save your life or the life of another.


Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.

Wednesday, October 3, 2012

October is Breast Cancer Awareness Month






Breast Cancer.  Those two words will take your breath away.  Those two words will make you stop what you are doing.  Those two words.....kill.





We in Breast Cancer Awareness Month (October 2012) and there are some facts that just need to be known:  Thank you to BreastCancer.org for this information:



  • About 1 in 8 U.S. women (just under 12%) will develop invasive breast cancer over the course of her lifetime.
  • In 2011, an estimated 230,480 new cases of invasive breast cancer were expected to be diagnosed in women in the U.S., along with 57,650 new cases of non-invasive (in situ) breast cancer.
  • About 2,140 new cases of invasive breast cancer were expected to be diagnosed in men in 2011. A man’s lifetime risk of breast cancer is about 1 in 1,000.
  • From 1999 to 2005, breast cancer incidence rates in the U.S. decreased by about 2% per year. The decrease was seen only in women aged 50 and older. One theory is that this decrease was partially due to the reduced use of hormone replacement therapy (HRT) by women after the results of a large study called the Women’s Health Initiative were published in 2002. These results suggested a connection between HRT and increased breast cancer risk.
  • About 39,520 women in the U.S. were expected to die in 2011 from breast cancer, though death rates have been decreasing since 1990 — especially in women under 50. These decreases are thought to be the result of treatment advances, earlier detection through screening, and increased awareness.
  • For women in the U.S., breast cancer death rates are higher than those for any other cancer, besides lung cancer.
  • Besides skin cancer, breast cancer is the most commonly diagnosed cancer among American women. Just under 30% of cancers in women are breast cancers.
  • White women are slightly more likely to develop breast cancer than African-American women. However, in women under 45, breast cancer is more common in African-American women than white women. Overall, African-American women are more llkely to die of breast cancer. Asian, Hispanic, and Native-American women have a lower risk of developing and dying from breast cancer.
  • In 2011, there were more than 2.6 million breast cancer survivors in the US.
  • A woman’s risk of breast cancer approximately doubles if she has a first-degree relative (mother, sister, daughter) who has been diagnosed with breast cancer. About 15% of women who get breast cancer have a family member diagnosed with it.
  • About 5-10% of breast cancers can be linked to gene mutations (abnormal changes) inherited from one’s mother or father. Mutations of the BRCA1 and BRCA2 genes are the most common. Women with these mutations have up to an 80% risk of developing breast cancer during their lifetime, and they are more likely to be diagnosed at a younger age (before menopause). An increased ovarian cancer risk is also associated with these genetic mutations.
  • In men, about 1 in 10 breast cancers are believed to be due to BRCA2 mutations, and even fewer cases to BRCA1 mutations.
  • About 85% of breast cancers occur in women who have no family history of breast cancer. These occur due to genetic mutations that happen as a result of the aging process and life in general, rather than inherited mutations.
  • The most significant risk factors for breast cancer are gender (being a woman) and age (growing older).
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Monday, October 1, 2012

Understanding MedPay



Do you understand or even know what MedPay is and what it covers?  Most people don't until it's too late.




MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

For a few dollars more a month you can add this to your insurance policy.  Personally I have $25,000 in MedPay (and used up most of it with my car accident). 

Why?


Because....I don't want to worry about my medical bills while I'm trying to heal from my injuries!!!  MedPay makes good on paying your bills.  If you are hurt in a car accident it could take months before your medical bills are paid.

Here's what most people think:

MedPay is redundant to health insurance.  This is not the case.  Health Insurance comes with a deductible that is paid out of your pocket!  MedPay comes with no deductible.  Now let's look at the thousands of people who do not have Health Insurance.  How important is it to have MedPay now?  The cost of MedPay added to your auto insurance averages about $20.00 PER YEAR per $10,000 of coverage.  

If you are involved in a car accident and accrue $10,000 in medical expenses and you turn it over to your Health Insurance to pay.  The most common health coverage is 80/20 so you are looking at $2,000 out of YOUR pocket to pay for injuries that may not be your fault!  Even the best health insurance may be 90/10 but that is still $1,000.00 out of your pocket.

Take that $1,000.00 you just paid for one accident.  If you had taken that money and added or increased your MedPay that same $1,000 would pay for.......FIFTY (50) YEARS of MedPay! and you would not have had any out of pocket expenses.  

Now here is something else to think about.  MedPay doesn't have the cap on it like your policy limits.  Whatever your MedPay limit is...it is for each person that it covers; so if you have $10,000 in Med Pay and three people are injured...that is $30,000.

So when you are shopping insurance or trying to cut expenses dropping or reducing your MedPay is NOT THE WAY TO GO!


Knowledge is Power!

Please like Colorado Car Wreck | Your Auto Injury Clinic on Facebook or visit their website.