Medical Payments coverage is always in effect for the policyholder, regardless of their mode of transportation. Whether you are walking, riding in a friend's car, or using public transportation, MedPay remains active. However, it is important to note that certain exclusions may apply based on your insurance provider and policy terms. MedPay may help pay for the following expenses:
Personal Injury Protection (PIP) is similar to MedPay in that it helps cover medical expenses for you or your passengers after a car accident, regardless of fault. However, there are three key distinctions between these two types of coverage.
Covering this topic can be challenging as it varies based on your health and auto insurance policies. Initially, Med Pay coverage limits are typically low since they aim to cover immediate medical and funeral expenses or complement other insurance types.
Coverage may overlap so it may depend on how your health insurance policy is structured.
Check with your auto insurance company and ask if MedPay works as primary coverage in an auto accident. If it does, you would pay your medical bills upfront and ask your MedPay carrier for reimbursement. You won't have to pay for deductibles or copays, which are typically associated with health insurance.
If your MedPay is considered secondary coverage, then your health insurer would pay for the majority of your medical bills. You could use MedPay to cover your deductibles or copays.
There are limits to the amount your insurer will pay for a covered loss. You can choose your limit when you buy coverage. The minimum and maximum amounts available depend on your auto insurance carrier and how much insurance you can afford. Keep in mind that any medical expenses that exceed your coverage limit are your responsibility.
Jacob is a compassionate, no-nonsense personal injury attorney. Rest assured, he will fight for the best outcome possible for your injuries.
Dustin practices law for the individual because people need a strong voice in their corner.
Our firm provides its clients with knowledgeable, personalized representation in the following practice areas: Auto Accidents, Work Accidents, Dog Bites, Premises Liability (slip and fall cases), and more.
We know that money is a big deciding factor when choosing an attorney, which is why we don't take payments from our clients up-front. We only get paid when YOU get paid!
Insurance companies are not looking forward to helping you get better or paying for your damages. They will say and do anything to avoid paying you what you deserve! Hiring an attorney is a great motivator and puts the insurance companies on notice. We're on YOUR side!