Generally speaking, the insurance carrier for the at-fault driver will not pay for your medical expenses until you have completed all your medical care and treatment and agree to settle the entire case, forever.  Unfortunately, the doctors who provide you treatment will generally not wait for you to resolve your claim before being paid.  In this instance, it’s advantageous to have your own med pay coverage, through your auto insurer, pay for your bills so you aren’t forced to rush your personal injury claim and settle prematurely.

Med Pay coverage is a type of auto insurance coverage that will pay for your medical expenses as they’re incurred, up to a certain amount, and generally within a specific time frame. This coverage is available to the insured driver and any passengers in the insured’s vehicle for injuries sustained, regardless of the fault of the insured driver or anyone else. 

You may already have medical insurance and feel med pay is an unnecessary additional premium.  Keep in mind med pay will give you the flexibility to obtain treatment with a doctor, or doctors, outside of your health plan.  Sometimes this flexibility can come in handy if you want to consult with a reputable doctor that doesn’t accept payment from your private health plan.  Typically, med pay policies are $5,000.00 in coverage.  They may range from $1,000.00 to as high as $100,000.00.  We recommend a minimum of $5,000.00 in medical payments coverage.