Who pays the medical bills and loss of wages if a person is injured in an automobile accident?
The answer to that question depends on whether there is no-fault coverage applicable to the accident. For all accidents that occurred prior to July 1, 2003, no fault auto insurance will pay medical bills without regard to fault. For accidents that occur after July 1, 2003 there may be such coverage depending on when the applicable policy or policies renewed. Or, for post July 1, 2003, accidents there may be med pay coverage if it was purchased with a policy that covers you. Med pay coverage will pay medical bills but does not provide reimbursement for loss of wages. Or, if you have health insurance, it may pay medical bills. Where there is no such no-fault coverage, or med pay coverage Colorado is now a “tort” state, which means that all such losses will have to be recovered from the “at-fault” parties’ insurance company.
