Medical Payment Coverage

Another important element of your automobile insurance policy is medical payment coverage.  Med pay covers anyone who is injured while in your vehicle no matter whose fault it is.  Med pay coverage usually starts out with limits of $5,000 but is available in much higher increments.  If you are not covered under a separate health insurance policy or if your health insurance only covers a percentage of your medical bills I suggest you increase your med pay coverage. 

The great thing about med pay is that it pays no matter what without regard to fault.  The disadvantage is that under most policies you have to actually incur the medical expense before med pay will cover it which means that you have to actually pay for the treatment out of your pocket or find a doctor who will render treatment and then submit the bill for payment under your med pay policy. 

I will discuss the concept of subrogation later but med pay can be helpful even if you have health insurance and you may want to consider using med pay instead of your health insurance in some cases because your health insurance company usually has subrogation rights which means they can come back after any money you recover to pay the medical expenses that it paid on your behalf.  In some cases you do not have to pay med pay money back.  However, there are nuiances in in every case that make it important for you to consult with an attorney about which coverage to take advantage of and when. 

Comments

[Guy Annunziata]

I am trying to find out the percentage of auto policies that have med pay. In other words what percentage of people buying an auto insurance policy also choose med pay as an option on that policy?

Thanks,

Guy

[lb]

i dont know if this helps but in california roughly 50 % of insured motorists have med pay

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[Online pharmacy]

The great thing about med pay is that it pays no matter what without regard to fault.

[Online pharmacy]

I will discuss the concept of subrogation

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