Medical Payments Coverage

    Medical payments coverage (also known as Med Pay) is the best bargain that you have on your auto insurance policy. The premium for this coverage is relatively cheap and the benefit that it provides is worthwhile.  The coverage offered by insurance companies are generally $1,000.00, $2,000.00, $5,000.00, $10,000.00, $25,000.00, $50,000.00, and $100,000.00. This coverage pays for reasonable and necessary medical expenses resulting from an auto accident.

The most important aspect of this coverage is that it is not fault-based. That means that if you are injured in a car accident, and even if the accident is entirely your fault, med-pay coverage still applies.

In addition, med-pay coverage also pays for the medical bills of passengers in your vehicle at the time of the accident, regardless of fault. If you have five (5) passengers in your vehicle at the time of an accident, then you and your five (5) passengers all have med-pay coverage up to your limits. So, if you have $10,000.00 in med-pay coverage, you and every one of your passengers has this limit available to them for an accident. We will always attempt to maximize the use of med-pay coverage that may be available for injuries that result from a car accident. One thing to consider about auto insurance, is that the first layer of coverage costs the most.

Med-pay coverage is also not vehicle-specific. What that means is that the Med-pay coverage follows you to afford coverage in any accident involving an automobile. Also, automobile med-pay coverage may apply to auto v. pedestrian accidents.

Med-pay coverage is an example of a benefit that may be available that many people do not know about.  We here at Mulvey Law are experienced accident attorneys and we understand all the details of insurance policies.  If you have recently been injured in a car accident, please give us a call to make an appointment to see us right away so that you can have an experienced legal team on your side.