Should I Have Medical Payments Coverage With My Auto Insurance?
Put simply, yes. Medical Payments coverage, or “Med-Pay” coverage, pays medical expenses for you and any passengers in your vehicle who are injured during an accident or auto-related injury. Med-Pay covers medical costs regardless of who was at fault in the auto accident, limits are usually below $5,000 or below, and is an inexpensive way to provide extra coverage to your auto insurance. Med-Pay is usually purchased on a “by vehicle” basis, meaning that if you have two vehicles under your policy, you typically must purchase Med-Pay for both vehicles.
Do I Need Med-Pay If I Have Health Insurance?
Yes, you should still purchase Med-Pay coverage if you have health insurance. While Med-Pay does pay for medical bills resulting from an auto accident, it important to note that this is not a substitute for health insurance. Some health insurance policies do not cover certain out-of-pocket expenses that are incurred following a car accident. Med-Pay can help to pay these out-of-pocket expenses and can also assist with paying health insurance deductibles and co-pays.
How Does Medical Payments Coverage Work?
The limits on Med-Pay coverage is generally fairly low, $1,000 or $5,000. Med-Pay is only intended to cover immediate medical and funeral expenses that result from a car accident. Typically, if a driver has medical bills that would be covered under Med-Pay, the driver pays the bills initially, and then their auto insurance company reimburses them dollar for dollar. You can choose to add medical payments coverage to a policy at any time. It’s as simple as going online or calling your local insurance agent.
To schedule a free consultation or discuss your car accident with a dedicated personal injury lawyer, please call us at (205) 377-5004. Our personal injury lawyers handle all personal injury cases on a contingent fee basis, meaning you will pay no attorney fees unless we recover compensation for you.