Why Med Pay Insurance for Your Car


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Why Purchase Med Pay


Med Pay applies to you and your family regardless of who is at fault in the accident

Med Pay also applies to all passengers in the vehicle at the time of the accident

Med Pay applies to practically all forms of medical care including the reimbursement for out-of-pocket costs reasonably related to the auto accident

The cost of having Med Pay coverage is a bargain.

If you are injured in an accident you do not need to worry about paying for the gaps in your medical care coverage:

Which sometimes includes ambulance rides, certain types of surgery, and urgent care.

Med Pay coverall of these services


Med Pay fills the gaps left by your health care coverage:

EMT or ambulance fees

Hospital stays


Medical or Chiropractic Costs

Doctor appointments

Dental treatment

Nursing services


Lab tests

Physical therapy


Doctor’s Co-Pay


Med Pay Price Quotes


As quoted by Top Insurance Carriers:


Average 6 Month Premium for $5,000.00 Med Pay Coverage

            Esurance                      $70

            21st Centrury               $62

            Farmers                       $59

            Mercury                      $56

            Geico                           $76


Don’t Be Caught Without Med Pay

Having Med Pay is an affordable alternative to costly medical bills in the event of an auto accident. In fact, Med Pay coverage is the “smallest portion” of auto insurance costing close to $10.00 per month!


What is Med Pay


In California, you have the option of buying optional coverage in addition to your auto insurance. This coverage is usually known as “auto med pay.” It is covrage that pays out in the event you or any member of your family gets hurt.


Depending on your policy, most med pay coverage is limited – mostly a few thousand dollars and can be used for virtually any modality of medical or Chiropractic care.


These plans pay medical bills in the order in which they were received.


If you don’t have Med Pay coverage call your agent to your agent to see how much more it will be to add to your annual premium for $5000.00 average drivers it is typically around $10 dollars per month.

Poway Whiplash Chiropractic Care at Rode Chiropractic




If you have been in a car accident it is common to think “I’ll wait and see how I feel in a few days.” This could be a huge mistake even if you think it was just a minor accident. Many injuries can go unnoticed immediately following a car accident. During a crash this tissues of the neck can be stretched or torn resulting in a sore stiff neck the next day. During a rear end collision the car seat can rapidly straighten and compress the lumbar spine resulting in ligament and nerve injury. A number of studies have shown that when a patient gets early treatment, they can have a much better outcome than those who wait. Stiffness and pain are signs of trauma. Your body can begin repairing the injured area with scar tissue. Not receiving treatment quickly can result in permanent limited mobility chronic pain or even deterioration of the joints. If you have been in a collision contact us right away for a chiropractic evaluation. We are experienced in treating auto collision injuries to help you recover from injuries like whiplash, headache, neck pain and back pain. There is more you should know about why you should consider us for chiropractic care. Chiropractic care is normally safer than other treatments. Patients do not have to be placed in a sedated state and under go surgery to get results. Nor does chiropractic involve the use of harmful medications and their toxic side effects.
Contact us today so we can help you on the path to a happier and healthier life.

Misconceptions about Chiropractors

Misconceptions about the use of chiropractic medicine are numerous. They include such questions as do adjustments hurt, are they safe, can I adjust myself, will I get addicted to chiropractic medicine and chiropractic results are just a placebo effect.

Many people believe that if they start going to the chiropractor they’ll end up going forever. But most people only want to be treated for a specific pain or illness and when that symptom disappears and they stop going. Other people choose to use the chiropractor to correct the initial discomfort and underlying cause but then, to remain at an optimal level of health, they choose to continue to receive adjustments and keep their spine and joints in alignment. The treatment approach used by an individual is totally their choice.

Another myth that’s common is that people have heard that chiropractic adjustments will wear out the joints. In fact, the reverse is true. Chiropractic care can actually help prevent joints from wearing out. Bones don’t actually rub on each other; instead they are cushioned by cartilage and enclosed in a capsule with lubricating fluid. Chiropractors focus their attention on areas of the body and spine which have limited movement in order to improve the function of the joints and therefore decrease the degeneration that normally happens as we age.

While chiropractic medicine is a recognized as a generally safe course of action, there have also been studies which have shown that with specific cervical spine adjustments that potential increases for the individual to suffer a stroke. It is for this reason that traditional medicine specialists recommends that individuals not to seek the care of a chiropractor in order to treat chronic headaches. This is because treatment for chronic headaches with the chiropractor involves consistent neck manipulations which can increase the risk of stroke.

A common myth about chiropractic medicine is that chiropractors are only effective for low back pain. This couldn’t be further from the truth. The subluxations of the spinal column which results in pinched nerves and resulting pain, muscle spasms and decreased nerve innervation to body organs can happen anywhere on the spinal column from the neck to the sacrum. While there is been more research done on chiropractic care for low back pain and manipulations done in the lumbar region, chiropractors have been working on individuals with neck pain and shoulder pain for years. In the recent past chiropractors are also including cranial manipulations in order to improve an individual’s health. These manipulations are done on the skull.

Some people believe that spinal adjustments will be uncomfortable. What most find after their first adjustment is that the fear of the adjustments was much worse than the adjustment itself. Even spinal adjustments done to the cervical area, neck, are not uncomfortable to the patients. What individuals may find is that following the adjustments muscles may be sore as they adjust to their correct position.

What has been found over the past decade is that experienced, professional chiropractors are able to give profound relief and participate in preventive care with their patients and their patient’s medical physician. There will always be physicians whether chiropractors, dentists or medical doctors, who are not experts and work on ethically. These few bad apples tend to give the entire profession a bad name.