What is medical payments coverage?

When it comes to auto insurance, understanding the various coverage options available can make a significant difference in how you handle expenses after an accident. One essential coverage to be aware of is Medical Payments Coverage, which provides financial support for medical expenses resulting from an accident, regardless of fault. 

How Medical Payments Coverage Works

Medical Payments Coverage, often called "MedPay," is a type of auto insurance coverage designed to pay for medical expenses arising from an accident, regardless of who is at fault. Unlike liability coverage, which covers the medical expenses of other parties involved in an accident for which you are responsible, MedPay primarily focuses on your own medical costs, as well as those of your passengers.

Coverage for You and Your Passengers

One of the critical benefits of MedPay is that it provides coverage not only for yourself but also for your passengers. In the event of an accident, MedPay can be used to pay for medical bills incurred by you or anyone else in your vehicle up to the insurance limit you have selected. This feature ensures that necessary medical care can be obtained promptly without establishing fault or liability for the accident.

Reimbursement for Health Coverage Deductibles

Medical Payments Coverage can also be a valuable supplement to your health insurance. It offers the possibility of reimbursing your health coverage deductibles, reducing the out-of-pocket expenses you might otherwise face. This can be particularly beneficial if you have a high-deductible health insurance plan, as MedPay can help cover these initial costs related to medical treatment.

Expanded Coverage for Emergency Services

In addition to covering standard medical expenses, MedPay goes a step further by providing coverage for emergency services that may not be fully addressed by your health insurance plan. This includes ambulance services, which are essential in severe accidents or injuries. Many health insurance plans have limitations or may not cover such services, making MedPay a valuable safety net.

Alternative Treatments and Therapies

Another advantage of Medical Payments Coverage is its flexibility regarding treatment options. While health insurance plans may restrict specific therapies, MedPay can be used for treatments such as acupuncture, massage therapy, or chiropractic manipulations, provided they are not covered by your health insurance. This flexibility ensures you can access a broader range of treatment options for injuries sustained in an accident.

Optional Coverage for Your Auto Policy

It's essential to note that Medical Payments Coverage is an optional component of your auto insurance policy. Unlike mandatory liability coverage, you must request and include MedPay in your policy to benefit from its protection. This decision allows you to tailor your auto insurance coverage to your needs and preferences.

The Value of Medical Payments Coverage

Medical Payments Coverage can be a valuable addition to your auto insurance policy, offering financial support for medical expenses incurred after an accident, regardless of fault. It covers not only your own medical costs but also those of your passengers, helps with health coverage deductibles, and provides expanded coverage for emergency services and alternative treatments. While it is optional, considering MedPay as part of your auto insurance coverage can provide peace of mind and additional protection in times of need. 
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
★★★★★
"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.