As a Phoenix Personal Injury Lawyer I know that when I first interact with a client after an accident their life has at least temporarily been turned upside down. It is often a relief for myself and my Clients when we discover they have Med Pay. Med Pay or Medical Payment Insurance is an insurance that can pay the medical expenses for you and the passengers in your vehicle when they are injured in an auto accident.
Should you get Med Pay?
Med Pay can be a good idea for most people. For those that don’t have medical health insurance, Med Pay can provide for medical payments in the event of an accident regardless of who is at fault. Even for those with health insurance, Med Pay can help offset copays and deductibles. If you are injured in an accident and it is the fault of the adverse driver, you may have coverage from their policy, but it may take time for their insurance company to accept liability. During these waits, Med Pay benefits can help ensure that health care providers are paid and treatment continues.
Other Considerations with Med Pay
The cost of med pay can be very low compared to the benefits you receive, with some policies as low as $5 a month. Med Pay covers not only other drivers of the insured vehicle but also other passengers, meaning that people in the insured vehicle are covered as opposed to only members of your household. Because Med Pay covers injuries of all involved, it does not matter who is at fault for an accident.
Filing a Med Pay Claim
Your personal injury lawyer may be able to assist you in filing a Med Pay claim. While preparing your Med Pay claim it will be very important to submit all medical and billing records for which you are requesting payment. It may be a good idea to have an attorney review your insurance policy and determine your coverage and exclusions. In addition, because in an accident the at fault party may also be liable for your medical expenses, it can be beneficial to review your Med Pay policy soon after an accident, to determine how and when to submit a claim. An experienced personal injury lawyer may be a valuable asset in securing all the benefits to which you and your passengers are entitled.
Overall Med Pay coverage can be an inexpensive and valuable asset to have in case of an accident.
Thanks to our friends and blog authors from Alex & Associates, P.C. for their insight into med pay insurance.