How MedPay and Auto Insurance Pay for Chiropractic and PT in Colorado

Short answer: after a Colorado car accident, care may be paid by your own auto policy's medical payments (MedPay) coverage, by the at-fault driver's liability insurance, by your health insurance, or by a combination. We accept health insurance as an out-of-network provider, auto insurance claims, workers comp claims.

MedPay: Your Own Auto Policy

Colorado auto policies must include at least $5,000 of medical payments coverage unless the policyholder rejected it in writing (C.R.S. 10-4-635). MedPay generally pays for reasonable and necessary medical care after a crash, regardless of who was at fault, up to your policy limit. Check your declarations page or ask your adjuster how much you have.

The At-Fault Driver's Insurance

Colorado is an at-fault state, so the driver who caused the crash, through their liability insurance, may ultimately be responsible for your medical bills. These claims can take time to resolve, and many people use MedPay or health insurance in the meantime. Questions about fault and settlements belong with your attorney.

Your Health Insurance

Health insurance can also help pay for care after an accident. We bill health plans as an out-of-network provider. See how out-of-network insurance works.

What to Bring to Your First Visit

• Your auto insurance company and claim number
• The adjuster's name and phone number, if you have them
• Your attorney's contact information, if you have one
• Your health insurance card and photo ID
• Any ER or urgent care paperwork

Our team will help you understand your coverage before care starts. We're not attorneys and can't advise you on your claim. Learn more about car accident injury care.

We see car accident patients from Westminster and nearby communities, including Broomfield, Thornton, Northglenn, Arvada and Federal Heights.

We accept health insurance as an out-of-network provider, auto insurance claims, workers comp claims.

Frequently Asked Questions

Does MedPay cover chiropractic care in Colorado?

MedPay generally pays for reasonable and necessary medical care after a crash, subject to your policy's terms and limits. Check your policy or ask your adjuster.

What if I rejected MedPay?

Your health insurance or the at-fault driver's insurance may still help. Our team can walk you through your options.

Do I need an attorney to get care?

No. You can start care without an attorney. Whether to hire one is your decision.

Does Allied Healthcare take auto insurance?

We accept health insurance as an out-of-network provider, auto insurance claims, workers comp claims.