Call your insurance company as soon as possible. Let them know you were involved in an accident. Again, do not admit that the accident was your fault. Additionally, many drivers have Med-Pay as part of their insurance agreements – this is a section of car insurance coverage that covers medical bills after a car accident. These benefits extend to anyone who was in your vehicle at the time of the accident. Keep in mind, your insurance company should not increase your rates for submitting injury claims with Med-Pay. If they try to do this, contact your Opelika and Auburn personal injury lawyer immediately. Med-Pay is especially important if you have a high health insurance deductible.