If you are injured in an auto collision, regardless of who is at fault, use the following tip to maximize your good credit rating and minimize collection calls for your out-of-pocket co-pays and deductibles:
1. Ask your insurance carrier whether you have medical payments coverage.
2. Ensure medical providers process bills under health insurance.
3. Use medical payments coverage for any co-pays and deductibles. This will stretch the dollars available to cover treatment for your injuries.