Personal Injury Law Blog on Lawyers.com

Auto Accidents and Extraordinary Medical Loss Insurance

Wednesday, August 12, 2009 by

At Galfand Berger, our Philadelphia car accident lawyers handle cases involving auto and truck accidents in Philadelphia, throughout Pennsylvania and in New Jersey. We have found that in order to ensure that individuals and their families are protected in the case of a car accident, it is important that they understand auto insurance and what coverage options are available. 

Although extraordinary medical loss coverage rarely is used, when you need it, you really need it. People are the victims of catastrophic accidents every day and often through no fault of their own. This coverage is relatively inexpensive and could be critically important if you or a member of your family is involved in a catastrophic accident. This coverage pays medical bills regardless of who was at fault in an accident.

This option covers medical expenses in excess of $100,000. The coverage pays the next $1,000,000 in medical expenses. For example, if you or your family suffered a catastrophic automobile accident, your Medical Expense coverage would be first in line to pay medical bills (for this example, we will use $5,000 in coverage). The next $95,000 in medical is paid by your Blue Cross/Blue Shield (or similar insurance) at work. Now that you have reached the threshold ($100,000), the next $1 million is paid by your Extraordinary Medical Loss coverage. If your medical bills go over $1,100,000, you revert back to your Blue Cross/Blue Shield coverage.

For more information about auto accident insurance, you can request a copy of our free insurance toolkit written by Galfand Berger car accident lawyer, Eric J. Swan to help answer the variety of questions that arise when someone is injured in an automobile accident.

Joseph Lurie
Galfand Berger, LLP
1818 Market Street, Suite 2300
Philadelphia, PA 19103
Tel: 1-877-228-1528
Fax: 215-564-2262

Posted at 15:37 PM
Topic: Personal Injury
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