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medical insurance auto policyWhen you are injured in a car accident, especially if it was anything other than minor, you find yourself with expensive bills from your ambulance trip and emergency room visits. If you do not have heath insurance, you may be thrown for a loop. Even if you have health insurance, you may still end up paying an arm and a leg if you have not met your deductible. Moreover, most health insurance policies only cover a portion of some medical bills. Medical payment as part of your automobile insurance policy can really help in these situations.

What is Auto Med Pay Coverage?

Medical payments (also known as medical expense or med pay) coverage helps pay for medical and funeral expenses related to a motor vehicle accident. Med pay is an option available as part of car insurance policies. This option generally covers expenses for the policyholder, passengers, and family members driving the insured vehicle at the time of a collision. The provision can also be used to cover certain injuries you suffer outside of a car accident. Med pay coverage is available regardless of who caused the accident.

What Does Med Pay Cover?

Automobile medical payment coverage may cover a variety of expenses related to a motor vehicle accident. These expenses generally relate to any medical costs that you or any covered member under your policy incurred in a car accident. Common expenses covered by med pay include:

  • EMT and ambulance fees
  • Hospital visits and stays, doctor visits
  • Surgery and X-Rays
  • Professional nursing services and care
  • Prostheses
  • Dental procedures needed as a result of an accident
  • Injuries sustained as a pedestrian or riding a bicycle if a vehicle hits you
  • Funerals

How Medical Payments Coverage Works

Medical payment coverage works in two different ways. One way is getting direct reimbursement as primary coverage. The second way is getting med pay as a supplement to your existing health insurance coverage. Med pay limits is generally low because it is intended to cover only immediate medical and funeral expenses as a result of an accident or to supplement other insurances. The most common coverage limits are $1,000, $2,000, $5,000, $10,000 and $25,000.

It is important to note that medical payment coverage does not apply if you were injured during the scope of employment – worker’s compensation should apply in these cases. Med pay coverage is also not meant to replace your health insurance.

Consult with an Orange County Car Accident Attorney

If you or a loved one has been injured in a motor vehicle collision that was caused by the negligent or reckless act of a third party, you may be entitled to monetary compensation. You may also be entitled to medical payment coverage. For more information or to schedule a free consultation with an experienced Orange County car accident attorney, call the Law Offices of Samer Habbas today at 888.848.5084.