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If you sign up with Mighty, your Mighty Law lawyer and the Mighty team will take over dealing with all the insurance companies involved in providing coverage. We will work with your insurance to understand your benefits under all applicable policies - the most common are your auto insurance and health insurance companies. We will confirm coverage, policy limits, and benefits. Then we will work with the insurance companies to get your bills paid and resolve your case. This includes car repairs, diminished value, medical bills, time missed from work and any other aspects of your personal injury settlement that come up.

If your health insurance company paid your medical bills after your accident, they can file a claim to recover what they paid from your settlement later. This is called subrogation. Many health insurance policies have a subrogation clause in the fine print. How much they can recover depends on the policy, and Mighty and your attorney can help you evaluate your policy so you can choose the best path forward.

After a crash the most important thing to do is ensure you and everyone in your car are safe. If you are safe and able, you should get photos of the scene and of the vehicles and exchange contact and insurance information with the other driver or drivers. You should try to get any information that proves the accident happened and document as many details as possible.

It’s possible your auto insurance policy includes Medical Payments Coverage (Med Pay). If so, Med Pay will provide a specific amount of coverage for you (and your passengers’) medical expenses from a car accident regardless of who was at fault. These can help pay for hospital stays, medication, physical therapy, and more.

Med Pay is automatically included in your policy if you live in Pennsylvania, Maine, or New Hampshire.

Personal Injury Protection (PIP) is similar to Med Pay but also includes lost wages and other expenses arising from a car accident, regardless of who was at fault.

PIP is automatically included in your policy if you live in one of these states: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah.