MedPay Coverage in Petaluma

You have MedPay.
We treat car accidents.
Let's get you better.

If you were in a car accident and your auto insurance includes Medical Payments Coverage, you can use it to see a chiropractor. No attorney needed. No complicated process. Just care.

Book Your Evaluation → Call (707) 658-2534
✅ MedPay covers chiropractic care regardless of who caused the accident
1,000+
Patients Treated
QME
Qualified Medical Evaluator
Same-Week
Appointments Available
$0
Out-of-Pocket with MedPay

Understanding MedPay

What is Medical Payments Coverage?

MedPay is an optional coverage on your California auto insurance policy that pays for medical expenses after a car accident — regardless of who was at fault. If you were recently injured, see our car accident recovery guide for what to expect.

Unlike health insurance, MedPay has no deductibles and no copays. It covers chiropractic care, imaging, physical therapy, and other medical services directly. You choose your provider, and we handle the billing.

Most California policies offer MedPay limits between $1,000 and $25,000, with $5,000 being the most common amount. If your injuries require care beyond your MedPay limit, lien-based care can bridge the gap. Check your auto insurance declarations page or call your insurer to confirm your coverage.

Chiropractic treatment at adjust.clinic
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No-Fault

Covered regardless of who caused the accident

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No Deductible

MedPay pays from dollar one with no copays

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Your Choice

You pick your chiropractor, not the insurance company

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Quick Payment

No waiting for a settlement to resolve

Your Visit

How MedPay works at adjust.clinic

Using MedPay here is straightforward. We handle the insurance side so you can focus on getting better.

  • 📞

    Call or book online

    Let us know you have MedPay when you schedule. Have your auto insurance policy number ready.

  • ✅

    We verify your coverage

    We confirm your MedPay coverage and limits before your first visit so there are no surprises.

  • 🔍

    Comprehensive evaluation

    The same thorough evaluation every patient receives: orthopedic testing, neurological assessment, diagnosis, and a treatment plan tailored to your injuries.

  • 🏋️

    Treatment begins

    Movement-based rehabilitation tailored to your injuries. Typically 2–3 visits per week, progressing as you heal.

  • 📄

    We bill MedPay directly

    We handle the billing and paperwork with your auto insurance. You do not submit claims or chase reimbursements.

Active rehabilitation at adjust.clinic

Common Questions

MedPay frequently asked questions

Straightforward answers about using MedPay for chiropractic care after a car accident.

No. MedPay is a first-party benefit on your own auto insurance. You file a claim directly with your insurer. Many patients with minor injuries use MedPay without ever involving an attorney. If our evaluation suggests your case may be more complex, we can discuss your options at that time.
Yes. MedPay typically covers medically necessary treatment after a car accident, including chiropractic care, diagnostic imaging, physical therapy, and other medical services. Coverage is subject to your specific policy terms and limits.
Yes. MedPay is no-fault coverage, meaning it pays for your medical expenses regardless of who caused the accident. Whether you were rear-ended, sideswiped, or at fault, MedPay applies.
Under California law, insurers generally cannot raise your premiums for making a MedPay claim if you were not at fault. If you were at fault, your rates may be affected by the accident itself, not specifically the MedPay claim. Consult your auto insurer for details specific to your policy.
If your injuries require care that exceeds your MedPay limit, we will discuss your options. These may include using your health insurance, transitioning to lien-based care (where treatment is paid from a future personal injury settlement), or a combination of both. We will never leave you without a path forward.
California MedPay policies commonly offer limits of $1,000 to $25,000, with $5,000 being the most common amount. Your specific coverage depends on your policy. Check your auto insurance declarations page or call your insurer to confirm your limits.
As soon as possible, ideally within 72 hours. Early treatment leads to better outcomes and ensures your injuries are documented while they are acute. Many injuries do not show full symptoms for several days after a collision.
Bring your photo ID, auto insurance policy number, any accident reports or police documentation, and information about the collision (date, time, how it happened). If you have been to the ER or seen another provider, bring those records too. If you are missing any of these, we can still see you.
That is exactly what our evaluation determines. If we find injuries that are more significant than a minor accident typically produces, we will explain your options clearly. Many patients who initially come in using MedPay transition to lien-based care when their case warrants it. You will never be pressured, and you will always have the information you need to make the right decision.
Yes. MedPay and a personal injury claim are not mutually exclusive. MedPay can cover your immediate medical costs while a PI claim addresses the full scope of your damages. Note that your MedPay insurer may seek reimbursement from any settlement proceeds, depending on your policy terms. If this applies to you, an attorney can help navigate that process.

Your recovery starts with one appointment

Have your auto insurance policy number ready when you call or book online. We will verify your MedPay coverage and get you scheduled this week.

Book Your Evaluation → Call (707) 658-2534

This page is for informational purposes only and does not constitute insurance or legal advice. MedPay coverage varies by policy. Confirm your coverage with your auto insurance provider. If you have questions about your legal rights after a car accident, consult a personal injury attorney.