Quote Originally Posted by xring View Post
Come to find out if I understand what i read here i would have been totally screwed by endorsrment of the checks for my cars repair if I had turned out to be injured.
Not so, checks for physical damage are different. A check written out of collision coverage (from your company), or physical damage coverage (from the other guy's company) are separate from the coverages for injury.

I see what you are saying about knowing which treatments to seek that have a high likelihood of being paid. Some of this stuff stems from that change you mentioned from about 10 years ago. Colorado switched from Personal Injury Protection (PIP), to Medical Payments (Medpay) because PIP was too lenient. With PIP, people would actually submit receipts for stuff like Remote Healing. This is where the "healer" and patient never meet in person, the healer would just concentrate their energy on healing the patient, while the healer was at home and the patient was at work or something similar. Also, PIP coverage didn't have cap on treatment. Free massages or Chiro treatments for the next ten years after the accident that caused only $700 in damage to your bumper anyone? Acupuncture might be pushing it, but generally I would say that Chiro and massage therapy are pretty safe bets for holding up well in court.

Now you have to select your coverage limit for Medpay, $5,000, $10,000, $25,000, etc and once you reach that cap, that is it. People on here old enough to remember PIP, miss it because it was better coverage for the policy holder. It was better coverage, but it was too big of a liability and too easily abused. Agents told people the switch would make rates drop, and it did, but people like having free money.