If you’ve been injured you should get medical treatment. Seems obvious, right? Someone recently called me to discuss his potential personal injury claim following a car collision. He was rearended and was clearly not at fault. Like most everyone, his auto insurance policy included Medical Payments Coverage, or “medpay.” This is coverage you pay for that will provide for payment of medical treatment you receive following a car collision.

This individual told me that although he was injured, he didn’t get any medical treatment because he feared his insurance rates would go up if the doctor submitted a bill to his auto insurer. So instead of getting the treatment he felt he needed for his pain, he just tried to “tough it out.”

I can’t say what factors auto insurers use to adjust insurance rates, but if you’ve paid for Medical Payments Coverage, and you need medical treatment, you should get the treatment your body tells you it needs. Nobody wants to see their insurance rates go up, but there is nothing more important than your health.

And remember, if you do decide to pursue a claim against the person who caused your injury, the medical treatment you receive typically is the single biggest factor in determining the value of your claim. If you elect to not get medical treatment, that will adversely affect what you will be able to recover from the at-fault party.