What is Med Pay?
Med pay may also be called medical payments. Med pay shouldn’t be mistaken for Pip. You acquire it via your car insurance policy. Med pay was created to cover the examples below in the event of a car accident:
What Med Pay may cover
- Funeral expenses
- Necessary medical services
- EMT or ambulance service
- Chiropractic treatments
- ER visit
It seems not to cover a great deal. It’s important for medical services. You can find a personal injury doctor that can accept it on this website. Medical services and going to see the personal injury doctor can cost a lot of money. If you have medical payments, these are covered.
Reasonable & Necessary Treatment
Additionally, it needs to be reasonable and necessary treatment. Experimental care is not covered. Charges need to be consistent with the area for similar type services. In other words, an accident doctor can’t charge 2000 for X-rays.
Be aware, there are unethical doctors that can abuse it. They may overcharge and try to bill for all the coverage. Personal injury doctor won’t have unethical doctors. This kind of behavior drives insurance costs to new heights. Our Accident Doctors are the best at what the do.
You could get med pay should you be injured and:
- You’re named insured on the policy
- A passenger in a vehicle of the insured
- An individual of the vehicle that has permission to drive it from the insured
State laws do vary. Speak with your personal injury doctor to find out more
Some exclusions will apply to some states:
- If you use your car or truck as a taxi
- If you are using your car or truck involved in a felony (evading law enforcement)
- Injury in vehicle was caused by a war or some form of rebellion Your car or truck has less than 4 wheels
Why Med pay or medical payments is very important to have
Med pay is not a requirement in most states. It is just a supplement to the coverage you already have. The price of med pay is very small. If you use it once in your lifetime, in some cases it’s paid itself off. These benefits are paid regardless of who was responsible for the car accident.
Medical treatment even if you were at fault for the car accident
Should you run into the rear of someone, and have med pay, both you and your passengers are covered. It is a good idea to speak to your insurance agent about med pay. It may cover you medical so you don’t have to. The cost is very small. In cities with higher accidents annually, it’s important to have med pay. In certain cities, you’re prone to have an accident every 4 years. Basically, if you have a car accident every four years, in 20 years I’ve had 5 accidents. Med pay is a must with odds like these.
How much does Medical Payments Cost per year?
You may be amazed at how little it cost annually. Mine cost me 55 dollars a year for 5000 coverage. The cost varies, contact your agent to find out more. More info on it is available here. If you or someone you know has been injured in a car or truck accident, you need to seek medical care ASAP. Find a personal injury doctor today who will take med pay.