What is Med Pay?
“Med pay” is short for “medical payments coverage.” It is something you might have as part of your car insurance policy. Med pay pays for your medical expenses after you’ve been in an accident. It will pay for your medical bills up to the amount stated in your policy, usually $1,000, $2,000, or $5,000 dollars.
Having a med pay provision in your car insurance policy can give you peace of mind that you won’t have to worry about your medical bills if you are ever in a car accident. Med pay can be used to pay for any medical bills that your health insurance does not cover. For example, if you receive care at a hospital and you receive a bill for the portion of your care that was not covered by your health insurance, you may forward that bill to your car insurance and ask them to use your med pay to pay the bill.
If you have med pay, you are entitled to use it for your medical expenses, even if you caused the accident. It can be used to pay for chiropractic expenses, something that is not often covered by health insurance. Med pay can also be used to pay the medical expenses for any passengers in your car who were injured in the accident.
Your med pay coverage may also be used if you are in a car accident with an uninsured or underinsured driver.
Arizona law requires that you have insurance for your vehicle, but it does not require you to have med pay coverage as part of your policy. Please check with your insurance provider to see if you have med pay coverage in your policy or to add it to your policy.
When you discuss your personal injury case with your attorney, he/she will ask if you have med pay in evaluating all of your options for paying for your injuries, even if you were not responsible for the accident. If you have med pay in your policy, you will have the security that at least a portion of your medical expenses will be covered, no matter who caused the accident.
If you have been injured in a car accident, please contact the Phoenix personal injury lawyers at the personal injury law firm Oracle Law Group today.
Photo credit: Itzafineday from Flickr