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What is Med-Pay Coverage?

What is Med-Pay Coverage

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.

What is Easy Med-Pay Coverage and Why it’s Good to Have
Easy 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.  

How Much are Med Pay Policies?

How Much are Med Pay Policies

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.

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Watch YouTube Video: Med-pay and PIP Coverage. This video from Infinity Insurance provides a closer look at Med Pay and PIP coverage and why it's good for you to have. 

Sacramento Car Accident Lawyer

I’m Ed Smith, a Sacramento Car Accident Lawyer. If you have sustained injuries from a car accident caused by a negligent driver, an injury attorney can help you move forward. I am happy to provide you with free, friendly advice if you call me locally at (916) 921-6400 or toll-free at (800) 404-5400.

I am a member of the Million Dollar Advocates, a forum of attorneys that have obtained verdicts or settlements worth more than one million dollars for a client.

To review how we've resolved our cases and see our history with former clients, you can click on the links below:

Photo by from Pexels,

Editor’s Note: This page has been updated for accuracy and relevancy [cha 8.9.19]

Client Reviews
"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
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