Medical Payments Coverage or “Med Pay” is optional coverage through your auto insurance that will pay for your medical bills if you’re injured in an auto accident regardless of fault. If you haven’t expressly waived Med Pay in writing, it’s presumed you have $5,000 in minimum coverage. You can find the amount of your Medical Payments Coverage on the “declaration page” of your auto insurance policy and purchase a higher amount of Med Pay by talking with your insurance agent.
Med Pay extends to your passengers and family members that live with you. Your Med Pay will also provide coverage if you, or a resident relative, is struck by an automobile as a pedestrian under most policies. Med Pay covers the cost of the ambulance and emergency responders as first priority, then care you receive in an emergency room, and finally any other accident related care you receive until your coverage has been exhausted.
Do you need Med Pay if you already have health insurance? The answer is probably yes. Most health insurance policies require a co-pay or deductible leaving you to pay out of pocket. Even if the accident is the fault of someone else, their insurance will not pay for your injuries until your treatment is complete and you have agreed to settle your claim. This can leave you owing on bills in the meantime and send your account into collections if you’re unable to meet the out-of-pocket co-pays. Insurance companies know that having outstanding bills can be very stressful and use it as leverage to pressure you into settling your claim for less than what it’s worth.
The cost of care paid by your Med Pay is a damage that an at-fault driver is liable for, but unlike health insurance, Med Pay does not need to be paid back after you resolve your claim with the at-fault driver’s insurance.
Often injured people refuse transport in an ambulance because they are afraid of the cost, leaving serious problems to go undetected, worsening their injuries. Medical Payments Coverage is protection against that fear. You should not waive your Med Pay. Instead, if at all possible you should increase your coverage above the automatic $5,000 in coverage.
If you have an accident in which someone is injured, you should contact an auto accident attorney in Coloradolike Bell & Pollock, by calling (303) 795-5900 or emailing us via the contact form on this page.
Call a trusted attorney at Bell & Pollock, P.C. at (303) 795-5900 to get on the road to recovery now. You can also email our firm via the contact firm on this page.
As proud champions of the people, our lawyers are ready to answer your questions, explain the law and your rights, and help you take whatever steps necessary to recover the compensation you’re entitled to. With us in your corner, you can be confident that you have the legal support and representation necessary to successfully resolve your claim.
Don’t delay your recovery for a second longer – and don’t be misguided into thinking that you have to go through the process alone. Our attorneys are here, ready to help – and you won’t have to pay us anything until (or unless) there is a recovery in your case.
Free Legal E-Books
Click on any one of the e-books to access your free copy!