Medical payments coverage (also known as Med Pay) is insurance coverage on your OWN insurance policy that pays for reasonable and necessary medical expenses resulting from an auto accident. If you are in an auto accident, even if the accident is entirely your fault, med-pay coverage still applies. The amount of coverage can vary from $1,000 to $10,000 typically. The cost for this coverage is inexpensive and well worth it. Make sure you ask your insurance agent or insurance company about the amount of med pay coverage on your policy.

Another great benefit of med pay is that it also covers for the medical bills of passengers in your vehicle at the time of the accident, regardless of fault. If you have passengers in your vehicle at the time of an accident, then you and your passengers all have med-pay coverage up to your limits. So, for example, if you have $10,000.00 in med-pay coverage, you and every one of your passengers have this limit available to them for an accident. Med-pay coverage is also not vehicle-specific, which means that the med-pay coverage “follows you” to provide coverage in any accident involving an automobile. You should always attempt to maximize the use of med-pay coverage that may be available for injuries that result from a car accident.

Med-pay coverage is an example of a benefit that may be available that many people do not know about. At Douglas, Leonard & Garvey, we have experienced accident attorneys who understand the details of insurance policies. If you have recently been injured in a car accident, please give us a call or use our contact form to have us help you with your claim.

With the recent stretch of warm weather we have had and the melting piles of snow around New Hampshire, the legion of bikers who live and visit New Hampshire are tuning up their bikes for the first ride of the season. Even experienced bikers are wise to remember the first five thing bikers can do to stay safe on New Hampshire Roads.

1.) Assume Drivers Can’t See You: Ride assuming that you and your motorcycle are totally invisible to motorists. That means you must never assume that drivers can see you. The odds are, they can’t so believe it yourself and always have an “out” for dangerous traffic situations. Motorcycle Safety depends on you.

2.) Maintain Safe Spacing: Leave plenty of space in front and back and to the sides from all other vehicles. Be an island. Stay away from traffic as much as possible. This gives you more visibility and more time to react to situations.

3.) Anticipate Trouble: Anticipate trouble situations and know what to do when you see them. Analyze what vehicles are doing and try to predict the outcome. Then make sure you’re ready to avoid a bad traffic situation.

4.) Beware of Oncoming Left Turners: Beware of oncoming motorists turning left in front of you at intersections. This is one of the leading causes of death of motorcycle riders. Slow down before you enter an intersection. Stay visible. Don’t travel too close to cars in front of you. Position your bike so it can be seen by the left hand turner. Eye contact is not enough.

5.) Ride Your Own Ride: Don’t try to keep up with your friends who may be more experienced. Know your personal limits. Ride your own ride

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The attorneys at Douglas, Leonard & Garvey have years of experience with these types of cases and a track record of getting results. Contact us at 800-240-1988 or online for a free consultation.