When a client comes to me for help with their car accident injury claim, I always ask them if they have “med pay” on their own insurance policy. “Med Pay” is short for medical payments coverage. Medical payments coverage is there to pay for medical bills, exactly what it sounds like. The beauty of it is that it pays for medical bills regardless of who was at fault. This is coverage for you and your passengers, not the other person or people involved in the other vehicle. Medical payments coverage is very helpful in a case where a person’s medical bills will be taken out of settlement funds from the at-fault driver’s insurance carrier. Medical payments coverage can have those bills paid, so when the settlement money comes in from the at-fault driver’s carrer, it goes into the client’s pocket!
In the case of a catastrophic injury, medical payments coverage and uninsured motorist coverage (see previous post) can really help if the at-fault driver only had minimum coverage.
Limits for med pay coverage differ, but can range from $1000 per person on up. I see a lot of $1000 and $5000 policies, but you can buy a lot more coverage.
Call your agent and ask about medical payments coverage. It’s usually not very expensive and well worth having it on your policy.