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.