In Colorado, if you’re in an automobile accident and have medical payment coverage, then your own automobile insurance company is required to pay all of the medical bills that you incur from the accident that are reasonable and necessary, up to the limits of your medical payment insurance coverage. Often times automobile carriers deny bills that they should pay. They do this for a number of different reasons, some of which are not legitimate. This can be a complicated area for an individual who has never dealt with insurance companies before. If you have incurred medical bills that your own insurance company is not paying for it is advisable to seek the advice of an attorney.