I wish there was a way to insure against all the aspects of winter that bring people down: cold, rain, shorter days, etc. But there is one kind of insurance that can protect you from injuries related to car accidents, which are more common in the winter months: Medical Payments or “Med Pay.”
Every winter I see an increase in auto accidents and the resultant injuries that my patients suffer. Those patients who have added Med Pay as a “rider” to their auto insurance are able to get all their chiropractic treatments covered, can receive massage (with a prescription), and insurance companies are not allowed to raise premiums on policy holders who need to file a claim. Those who do not have Med Pay usually delay getting treatment, and then end up skimping on how much treatment they get.
Who do you think recovers more fully from their traumas? Who would you rather be? Please check your insurance card or call your agent and make sure you have Med Pay. Hopefully you’ll never need it, but in case you do, you’ll be glad you have it.