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Medical Payments: An Extra Layer Of Protection For Drivers

January 28, 2015

Medical Payments, also known as Med Pay, is extra insurance for individuals involved in motor vehicle crashes.  Medical Payments are an extra expense, but in the event of a motor vehicle crash, they can also be an extra layer of protection.

Question: What Are Medical Payments?

Answer: Medical Payments are separate coverage available to most people to purchase through their individual car insurance company.  They can usually be purchased in increments of $1,000.00 for a nominal fee.  You need to contact your specific insurance provider for rates.

Question: What Do Medical Payments Do?

Answer: They cover you and everyone in your vehicle’s medical bills up to the coverage purchased in the event you are in a motor vehicle crash, NO MATTER WHO IS AT FAULT.

Question: What Does That Mean?

Answer: That means that if you purchase $1,000.00 of Medical Payments from your car insurance company, everyone in your motor vehicle would have at least $1,000.00 available to them to cover their medical bills and any extra would go to them.

Question: If I Am In a Crash, What Does the Attorney Do?

Answer: The attorney deals directly with both the insurance company and the medical providers on your behalf so that you have peace of mind.  The attorney performs this service for the flat fee of $150.00.

Medical Payments are not necessary, but they can ensure you receive a greater recovery for your injuries.