Item: Edward A Smith Law Offices
Rating: 5
Author: Alex & Dinah M.

Underinsured Motorist and Medpay Injury Offset Question

Q. My question is about Medpay. My insurance, the Underinsured Motorist carrier says that since they paid me $10,000 in Medpay, they also get an offset for that meaning I only get $75,000. Is this true?

A. Oh, the games insurance companies play. In your case, a fractured pelvis is almost always going to have a value of way over $100,000. There are heavy past medical bills and almost always severe long term consequences. In California, insurance companies get an offset against the VALUE of the case

And not merely against the Underinsured Policy Limits. Since the value of your case is over $110,000 almost certainly, the insurance company does NOT get an offset for the Medpay paid. They need to pay you the additional $85,000.

I’ve been a Sacramento Personal Injury Lawyer since 1982. IF I can help you in any way on this, Call me at 916.921.6400. Ed

★★★★★

"Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!" Alex & Dinah M.

"Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation." Beverly

"Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything." Annie T.

"Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime." Jeremy M.

"I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone." Shannon D.

"Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury." David M.

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