Auto Accident Insurance & Coverage Guide
Understanding your insurance coverage after a car accident in Missouri. We verify your benefits, bill your insurance directly, and ensure you pay nothing out of pocket.
Understanding Your Coverage After a Car Accident
If you have been injured in a car accident in Missouri, understanding your insurance coverage is one of the most important steps you can take. Missouri is a fault-based state for auto accidents, which means the driver who caused the collision is responsible for damages. However, your own auto insurance policy may also include coverage that pays for your medical treatment – regardless of who was at fault.
Two of the most common types of coverage that apply to accident injuries are MedPay (Medical Payments coverage) and PIP (Personal Injury Protection). MedPay is included in most Missouri auto insurance policies and covers medical expenses such as chiropractic treatment, emergency room visits, X-rays, and rehabilitation. PIP, while optional in Missouri, provides broader coverage that can include lost wages and other accident-related expenses.
Many accident victims do not realize they have these benefits available to them. That is where we come in. Our team verifies your insurance coverage before your first appointment, bills your insurance directly, and handles all of the paperwork so you can focus on recovering from your injuries.
- Verify your auto insurance coverage over the phone
- Bill MedPay and PIP directly – no upfront cost
- Handle all insurance paperwork and claims
- Coordinate with your health insurance as secondary
- Work with your attorney on lien-based cases
- Provide documentation for claims and legal proceedings
- Follow up with adjusters on your behalf
- Explain your coverage options in plain language
Types of Coverage Available to You
MedPay (Medical Payments)
MedPay covers medical expenses regardless of who was at fault in the accident. Most Missouri auto insurance policies include between $5,000 and $25,000 in MedPay coverage. This benefit pays for chiropractic treatment, emergency room visits, diagnostic imaging, and rehabilitation – with no deductible and no copay. You can use MedPay immediately after an accident without waiting for a fault determination.
PIP (Personal Injury Protection)
PIP is an optional coverage in Missouri that provides broader protection than MedPay. In addition to covering medical bills, PIP can reimburse you for lost wages, childcare expenses, and other costs related to your injuries. If you have PIP coverage on your policy, it can be a significant financial resource during your recovery period after an auto accident.
Health Insurance
Your regular health insurance can also cover chiropractic treatment after a car accident. We accept most major health insurance plans and can bill your health insurance as secondary coverage alongside MedPay or PIP. This ensures that all available benefits are utilized and you receive the full course of treatment you need without out-of-pocket expenses.
Medical Liens
If your auto insurance coverage is limited or you do not have auto insurance, we accept medical liens. A medical lien is an agreement where we provide your treatment now and receive payment from the proceeds of your personal injury settlement. You pay nothing out of pocket, and your treatment is never delayed or compromised by insurance limitations.
Insurance We Accept
We work with most major insurance carriers including auto insurance and worker’s compensation.
We also accept MedPay and PIP coverage from all auto insurance carriers, as well as medical liens and letters of protection for personal injury cases. If you do not see your insurance listed, call us – we likely accept it.
What If My Coverage Is Limited?
We understand that insurance situations vary. Some patients have limited MedPay, no PIP coverage, or may not have auto insurance at all. Regardless of your coverage situation, we have options that ensure you receive the treatment you need without financial barriers.
Our goal is simple: get you the care you need now and work out the financial details so you never have to choose between recovery and affordability.
Medical Liens
If you are working with a personal injury attorney, we can treat you under a medical lien. This means you receive treatment today and the cost is paid from your settlement when the case resolves. There is no upfront cost, no monthly payments, and no financial risk to you.
Letters of Protection
A Letter of Protection is a written agreement between you, your attorney, and our office guaranteeing that treatment costs will be covered by the proceeds of your injury case. This allows us to provide comprehensive care without insurance involvement.
Attorney Coordination
If you do not yet have an attorney but your coverage is limited, we can connect you with trusted personal injury attorneys in the St. Louis area who work on contingency. Between your attorney and our office, we ensure you are never turned away because of insurance concerns.
“You will never be turned away because of insurance concerns.”
Insurance & Coverage FAQs
We know auto accident insurance can be confusing. Here are answers to the questions our patients ask most often about coverage, billing, and payment.
Verify My CoverageWill my auto insurance cover chiropractic treatment?
Yes. If your auto insurance policy includes MedPay or PIP coverage, it will cover chiropractic treatment after a car accident – regardless of who was at fault. MedPay is included in the vast majority of Missouri auto insurance policies, typically covering between $5,000 and $25,000 in medical expenses.
Do I need to pay anything upfront?
No. We verify your insurance coverage before your first visit and bill your auto insurance directly. Whether we are billing MedPay, PIP, health insurance, or treating under a medical lien, you will not pay anything out of pocket at the time of your appointment.
What if the other driver was at fault?
Even if the other driver caused the accident, you can use your own MedPay coverage immediately. MedPay applies regardless of fault. You can also file a claim against the other driver’s liability insurance, and if you are working with an attorney, we can coordinate billing to maximize your recovery.
What is a medical lien?
A medical lien is a legal agreement where we provide your treatment now and receive payment from the proceeds of your personal injury settlement. This arrangement is common in PI cases and ensures that you receive the full care you need without any upfront financial burden. Your attorney coordinates the lien as part of your case.
Do you verify my coverage before my visit?
Yes. When you call our office, we verify your auto insurance coverage over the phone before your first appointment. We check your MedPay limits, PIP benefits, and any other applicable coverage so you know exactly what is covered before you walk through the door.
What if I do not have auto insurance?
If you do not have auto insurance, we can bill your regular health insurance for accident-related treatment. If your health insurance is limited or you have no insurance at all, we can accept a medical lien through your personal injury attorney. We have options for every situation – call us and we will find a solution.
Serving Patients Across Greater St. Louis
Get Your Coverage Verified Today
Not sure what your insurance covers? Fill out the form or call us directly. We verify your auto insurance benefits over the phone at no cost to you.
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