Understanding Medical Payments Coverage (MedPay) on Your Auto Insurance

One of the most common mistakes people make after a car accident is convincing themselves they’re “fine” and putting off medical treatment. Even if you feel okay in the moment, it’s important to understand that some injuries aren’t immediately obvious. What seems minor today could become a serious issue tomorrow.  At The Stutzman Law Firm, we’ve seen time and again how delaying medical care can hurt both your health and your legal claim. Here’s why: 1. Your Health Comes First Not all injuries show up right away. Soft tissue injuries, concussions, and even some internal injuries can take hours or days before symptoms appear. A doctor can help catch these problems early, which not only protects your health but gives you peace of mind. Getting checked out immediately creates a clear medical record linking your injuries to the accident. Without that documentation, it becomes harder to prove that the wreck caused your injuries later down the road. 2. Your Case Depends on Documentation Insurance companies look for any reason to minimize or deny your claim. If you delay treatment, they’ll argue that you weren’t really hurt or that something else caused your injuries after the fact. This can lead to reduced compensation or a denied claim altogether. The sooner you seek medical care, the stronger your case. Prompt treatment creates a paper trail that ties your injuries directly to the accident, leaving less room for the insurance company to dispute your claim. 3. What You Do After a Wreck Matters In the aftermath of a car accident, you’re dealing with a lot — the stress, the inconvenience, and sometimes the shock. But taking care of your health should be your top priority. The steps you take now will protect your well-being and your ability to recover what you’re owed. At The Stutzman Law Firm, we help people through this process every day. If you’ve been in a wreck, don’t wait. See a doctor, document everything, and call us. We’re here to protect your health, your rights, and your future. Call us today at (769) 208-5683 for a free consultation.

At The Stutzman Law Firm, we believe that a well-informed public is essential to a fair justice system. One aspect of personal injury law that surprises many people is this: in almost every injury case that goes to trial, there’s insurance involved—but the jury is never told that. That’s not a mistake or oversight. It’s the law. In Mississippi (and most other states), the rules of evidence prohibit attorneys from mentioning insurance coverage to the jury. Even if it’s crystal clear that an insurance company is the one paying for the defendant’s lawyer and would ultimately pay the verdict, we are not allowed to say a word about it during trial. Why does that matter? Because jurors often assume that any money awarded in a verdict comes directly out of the defendant’s pocket. And when the defendant is an individual—maybe someone who seems sympathetic or appears to have limited resources—that can influence how jurors think about awarding damages, even when the law says otherwise. The truth is, in the vast majority of personal injury trials, an insurance company is behind the scenes controlling the defense and managing the financial exposure. But the jury never hears that part of the story. It’s a strange rule, and it can have a real impact on justice. But it’s the current state of the law—and it’s one more reason why having a strong, experienced advocate on your side matters.  If you’ve been injured in an accident and have questions about your legal rights, give us a call. We’re here to help you understand the process and fight for the compensation you deserve. Call us today at (769) 208-5683 for a free consultation.

Why You Should Think Twice Before Signing That Insurance Authorization At some point, most people dealing with a health, disability, or accident-related insurance claim are asked to sign a medical records authorization. It’s usually presented as routine—something the insurer needs to evaluate the claim. But if you take the time to actually read what you’re being asked to sign, you may find that it goes well beyond authorizing the release of medical records. Many of these so-called "routine" authorizations give the insurance company permission to access much more than just your medical history. Some include: Your consumer credit report Your financial records Files from government agencies Even records from “any other person” In some cases, they may even attempt to waive attorney-client privilege And let’s not overlook the Medical Information Bureau (MIB)—a little-known clearinghouse of medical and insurance data. These authorizations often give the insurer permission to pull and share your data with MIB and other insurers, which could impact future applications for coverage. Can They Really Do That? Under federal law—specifically, the Fair Credit Reporting Act (FCRA)—an insurance company cannot obtain a credit report for the purpose of evaluating a claim. They can request one for underwriting when issuing a policy, but not after the fact when a claim has been filed. Courts and federal regulators have made that clear. For example, in Padilla v. UNUM Provident, the court referenced guidance from the Federal Trade Commission stating that insurers may not rely on the “underwriting” exception to justify pulling a credit report during claim review. That matches the rulings in cases like LeBlanc v. Allstate and St. Paul Guardian v. Johnson. So how do insurers get around this? Simple. They ask you to sign an authorization. Once you give written consent, your protections under the FCRA are gone. That signature turns an otherwise impermissible act into a “permissible use.” What Happens If You Refuse to Sign? Some people worry that refusing to sign a broad authorization will result in their claim being denied. And sure, an insurance company can try to use that as a reason to delay or push back. But there’s a strong counterargument. If the claimant signs a narrowed authorization—one that excludes irrelevant or invasive categories of information—and shows a willingness to cooperate by offering to discuss what is needed and why, it’s tough for the insurer to justify denial based on non-cooperation. There’s also the matter of credit score. Frequent inquiries on a credit report can lower a person’s score. So not only are insurers overreaching—they may be actively harming your financial reputation in the process. Bottom Line These overbroad authorizations are not about gathering medical records. They’re about mining for reasons to deny the claim, and in the process, invading the claimant’s privacy far beyond what’s necessary or lawful.  If you’re a lawyer, take a few extra minutes to review any authorization your client is being asked to sign. If you’re handling your own claim, don’t assume that the form you’ve been given is fair or routine. Protect your rights. Ask questions. And don’t be afraid to push back. Call us today at (769) 208-5683 for a free consultation.

Motorcycle Safety in Mississippi: Common Myths, Hard Truths, and How to Keep Everyone Safer As the temperature rises across Mississippi, more and more motorcycles are hitting the road. At Stutzman Law Firm, we’ve seen firsthand how devastating motorcycle accidents can be—and often, they’re avoidable. This week, we’re taking a closer look at some of the common myths (and realities) around motorcycle safety to help drivers and riders stay safer. 1. Grass Clippings in the Road: A Real Hazard Yes, it’s true—grass clippings blown into the road create a slick surface that can cause a motorcycle to lose traction and crash. It might seem harmless, but it’s dangerous, especially in turns or on curves. If you mow your yard, please keep the clippings on your lawn, not in the street. A little care can prevent a serious injury. 2. “Loud Pipes Save Lives”: A Popular Myth The idea is that a loud motorcycle is more noticeable and therefore less likely to be hit. But most of the sound projects backward, not forward—where most threats are coming from. There’s no clear evidence that noise alone prevents accidents. While custom exhaust systems are a personal choice, they’re no substitute for visibility, safe riding, and attentive driving. 3. Helmets Don’t Cause Injuries—They Prevent Them Some folks still believe helmets can cause neck injuries. This myth has been thoroughly debunked. In fact, the data shows helmets drastically reduce the risk of death and serious injury. Mississippi law requires all riders to wear a helmet, and it’s for good reason. Helmets save lives. 4. The Left-Turn Danger Zone More motorcycle wrecks happen when a car turns left in front of a motorcycle than in any other scenario. Drivers often misjudge the speed of an oncoming bike or simply fail to see it. If you’re turning left, double-check your blind spots and wait until it’s completely safe. That extra second could save someone’s life. 5. Lane Splitting Isn’t Legal in Mississippi It might be common in California, but in Mississippi, lane splitting—riding between lanes of traffic—is illegal. Even when traffic is stopped, bikers must stay in their lane. At the same time, drivers should avoid drifting across lane lines or opening doors into traffic without looking. Conclusion Whether you're a motorcyclist or a driver, a little awareness goes a long way. Let’s all commit to safer roads this season. Be mindful of grass clippings, stay alert at intersections, and give motorcycles the space and respect they deserve. If you or a loved one has been hurt in a motorcycle accident, Stutzman Law Firm is here to help. Call us today at (769) 208-5683 for a free consultation.

Most people think of uninsured motorist (UM) coverage as something that only applies when they’re behind the wheel. After all, it’s part of your auto insurance policy — so it must only kick in if you're in your car, right? Not exactly. Here in Mississippi, your UM coverage can protect you — not just your vehicle. That means even if you’re walking, jogging, or biking, and you’re hit by a negligent driver who doesn’t have insurance (or doesn’t have enough), your UM policy may step in to help cover your injuries. How It Works Uninsured motorist coverage is designed to help when the at-fault driver either: Has no insurance , or Has liability limits that don’t fully cover your damages (in that case, underinsured motorist coverage — UIM — may apply). But what many don’t realize is that this protection follows the person, not just the car. That means if you’re struck as a pedestrian, you may still be entitled to UM benefits through: Your own auto policy, or A household member’s policy, if you live with them and they carry UM coverage. A Real-World Example Imagine this: You're walking your dog in your neighborhood when a distracted driver runs a stop sign and hits you. The driver has no insurance. You’re rushed to the ER, and the medical bills quickly start piling up. Without UM coverage, you’d be left paying those bills out of pocket. But with UM coverage in place, your policy could cover: Medical bills Lost wages Pain and suffering Long-term disability, if applicable Why This Matters With the number of uninsured drivers on Mississippi roads, carrying UM/UIM coverage isn’t optional — it’s essential. And knowing that this coverage can protect you even outside your vehicle makes it even more valuable. What Should You Do If You’re Hit? If you’re injured in a pedestrian accident and the driver is uninsured or underinsured, don’t assume you’re out of options. Your own policy may be the key to recovering what you need. At The Stutzman Law Firm, we’ve helped clients in situations just like this. We’ll walk you through your coverage, deal with the insurance company, and fight for the full compensation you deserve. Call us today at (769) 208-5683 for a free consultation.

With summer in full swing across Mississippi, school buses are parked, backpacks are on the shelf, and children are back outside—riding bikes, walking dogs, playing tag, and chasing down the ice cream truck. And while summer may bring a sense of freedom and fun, it also brings a very real increase in risk —especially when it comes to neighborhood traffic safety. At The Stutzman Law Firm, we’ve seen firsthand the devastating consequences of distracted or careless driving. As personal injury attorneys based in Jackson, Mississippi, we’re here to protect your rights—but we’d much rather help prevent tragedy in the first place. Why Summer Streets Are More Dangerous Without school in session, more children are home during the day. That means: More kids playing outside, often near driveways and roads. Increased pedestrian and bicycle traffic, especially in residential areas. Unsupervised or unpredictable behavior, especially among younger children Many of these children may not fully understand the dangers of cars or the rules of the road. The responsibility to keep them safe lies with the adults behind the wheel. A Moment of Distraction Can Change Everything Texting. Changing a playlist. Reaching for a dropped item. These everyday distractions may seem harmless—but they can turn deadly in seconds. According to the CDC , distracted driving kills over 3,000 people in the U.S. each year. During summer, that number rises—especially among vulnerable road users like children. Safety Tips for Summer Driving To keep our streets—and our kids—safe this summer, follow these essential safety reminders: Slow down in neighborhoods and school zones—even if school’s out. Stay alert at all times, especially near parks and playgrounds. Put the phone away. Texts and calls can wait. Expect the unexpected. Children may dart into the street without warning. Avoid backing out blindly. Always check your rearview and surroundings before reversing out of a driveway If the Unthinkable Happens, We’re Here to Help No parent should have to face the trauma of a child being injured—or worse—because of someone else’s negligence. And if your family is affected by a careless driver, you don’t have to go through it alone. The Stutzman Law Firm is here to help families seek justice and accountability. Our mission is simple: protect the people of Mississippi, hold wrongdoers accountable, and make our communities safer—one case at a time. Drive safe. Drive smart. And drive like your kids live here. Call us today at (769) 208-5683 for a free consultation.

As steady rain moves through the Jackson metro area this week, drivers across Central Mississippi are facing slick roads, poor visibility, and a higher risk of traffic accidents. At The Stutzman Law Firm, we see firsthand how dangerous wet weather can be — and we want to help you avoid becoming a statistic. Whether you're headed to work, school, or the store, a little extra caution can make all the difference. Here are a few essential safety tips to help protect yourself and others while driving in the rain: 1. Slow Down Speed limits are set for ideal conditions — not for rain-slick roads. When it’s wet, your tires have less traction, and your stopping distance increases. Take your time and drive slower than usual, especially on curves and bridges where roads tend to be most slippery. 2. Turn On Your Headlights Mississippi law requires drivers to use headlights when windshield wipers are in use. Not only is this a legal requirement, but it’s a smart move — it helps you see more clearly and helps others see you. 3. Watch Out for Hydroplaning Hydroplaning happens when water causes your tires to lose contact with the road. If it happens, don’t panic. Ease off the gas, steer gently in the direction you want to go, and avoid slamming on the brakes. 4. Leave Extra Space Increase your following distance to give yourself more time to react. A good rule of thumb in dry weather is three seconds behind the car in front of you. In the rain? Double that. You’ll be glad you did. 5. Turn Off Cruise Control While cruise control is convenient, it can be dangerous in wet conditions. It may delay your ability to react to skids or hydroplaning, making it harder to regain control. What If You're Involved in a Rain-Related Crash? Even when you're doing everything right, accidents can still happen. If you’re injured in a wreck during bad weather, you may be wondering if the other driver can still be held responsible. The answer is yes — drivers are expected to operate their vehicles safely for the conditions, including slowing down and staying alert in the rain. That’s where we come in. At The Stutzman Law Firm, we help injured Mississippians protect their rights and recover what they’re owed after a wreck — rain or shine. Stay safe on the roads, Mississippi. The rain may be falling — but your rights should never slip through the cracks. Call us today at (769) 208-5683 for a free consultation.

In today’s world, sharing your life online is second nature. But if you’ve been injured in a car wreck, what you post on social media could do serious damage to your personal injury claim. At The Stutzman Law Firm, we’ve seen firsthand how an innocent post can become a powerful weapon for the insurance company. Here’s what you need to know to protect your case—and your future. What You Should Not Post When you're involved in an active injury case, assume everything you post is public, even if your accounts are private. Defense attorneys and insurance adjusters often scour social media to find anything they can use to cast doubt on your injuries or credibility. Avoid posting: Photos of the accident — Even seemingly harmless images can be misinterpreted. Workout, travel, or "feeling great" updates — These can contradict claims of pain or limited mobility. Comments about fault or recovery — Statements like “I’m fine” or “It wasn’t that bad” can be taken out of context. Yes, They Really Are Watching You may think, “Why would an insurance company care about my Facebook or Instagram?” The answer: they’re looking for any excuse to reduce your payout. It’s not unusual for opposing counsel to: Capture screenshots of your posts Subpoena your accounts Use comments or photos in depositions or at trial That beach trip photo? They may argue it shows you aren’t suffering from your injuries. What You Should Do Protect yourself by taking these simple steps: Pause your posting: Go silent on social media until your case is resolved. Adjust your privacy settings: But remember, even private posts can be accessed. Tell friends and family: Ask them not to tag you or post about the accident. Consult your attorney: When in doubt, call us before you post. Final Thought: If You’ve Been Injured, Let Us Do the Talking  At The Stutzman Law Firm, we understand how overwhelming life can be after an accident. You’re trying to heal, deal with insurance, and now you have to worry about your Instagram too? That’s what we’re here for. Let us take the legal burden off your shoulders—so you can focus on recovery, not regret. Call us today at (769) 208-5683 for a free consultation.

Spring has officially arrived in Mississippi—and with it comes sunshine, blooming azaleas, and a sudden urge to tackle that growing to-do list of outdoor chores. From mowing the lawn and trimming hedges to pressure washing the driveway and building that long-promised fence, weekend warriors across the state are diving headfirst into spring projects. But while spring cleaning and home improvement can be satisfying, they can also be surprisingly risky. At The Stutzman Law Firm, we’ve seen how quickly a simple Saturday project can turn into a personal injury claim—or worse, a legal nightmare. Common Springtime Injuries Here are just a few of the ways spring projects can go sideways: Falls from ladders while hanging lights or cleaning gutters Lawn mower injuries, especially when blades aren't fully disengaged Power tool accidents, including saws, drills, and nail guns Trips or falls due to uneven walkways or hidden yard hazards Children injured by unattended equipment These aren’t rare incidents—they happen every year, and often right in someone’s own backyard. Homeowners, Take Note: Liability Starts at Home If someone is injured on your property—even if they were helping you as a favor—you could be held legally responsible. That includes friends, neighbors, hired workers, or even delivery drivers. Mississippi law places a duty on homeowners to maintain reasonably safe conditions. If you knew (or should have known) about a hazard and didn’t warn others or fix it, you could be liable. Tips for a Safer Spring Project Season Whether you're doing the work yourself or hiring help, take these steps to minimize risk: Inspect Your Equipment: Make sure lawn mowers, ladders, and tools are in safe working condition. Keep Work Zones Clear: Remove debris, toys, hoses, and tools from paths and work areas. Label Hazards: If you’re pressure washing or digging, mark slippery or dangerous areas. Supervise Children: Keep kids and pets away from equipment—even if it seems harmless. Hire Carefully: Make sure any contractors you hire are licensed, insured, and reputable. If an Accident Happens… Sometimes, even with the best precautions, accidents happen. If you or a loved one is injured while helping with a spring project—or if someone is injured on your property—it’s important to understand your rights and responsibilities. At The Stutzman Law Firm, we help individuals and families across Mississippi navigate personal injury claims, premises liability cases, and insurance disputes with care and clarity. Call us today at (769) 208-5683 for a free consultation.