Many people in an accident are worried about medical expenses. Medical Payment (MedPay) insurance coverage is here to alleviate this anxiety.
Rather than coming out of pocket, MedPay insurance coverage can cover procedures not covered by basic auto or health insurance. Here’s why you should carry MedPay as part of your auto insurance.
What Does MedPay Cover?
MedPay is an auto insurance policy that covers health expenses caused by an accident. The coverage will help the policyholder regardless of who is at fault for an accident. It usually covers:
- Hospital or doctor’s visits
- Ambulance fees
- Some medical equipment
- and funerals.
How Does MedPay Work on Auto Insurance?
Unlike most policies, MedPay will remain active when you are walking as a pedestrian, using public transportation, or riding in someone else’s vehicle.
When looking at MedPay coverage, do not consider how much health insurance will provide in the event of an accident. MedPay is available even if you do or do not have health insurance. MedPay’s coverage is one of the least expensive add-ons to your auto insurance policy.
Liability Coverage Vs. Medical Payments Coverage
Having medical payments coverage is optional. Should you cause an accident and don’t have insurance, you would have to cover your medical expenses out-of-pocket. On the other hand, most state laws require that all vehicle owners have auto liability coverage. This may be used to cover the other driver’s medical bills if you cause an accident.
Situations that Call for Medical Payment Coverage
Car accidents can happen at any time. If you get involved in one, Medical Payment Coverage can cover you, other passengers in your vehicle, and your family members, regardless of who is at fault. It can also cover you when you are cycling or walking.
Common scenarios that necessitate MedPay coverage include:
- When you or a family member is driving and injures passengers
- If you are hurt in an accident as a passenger in a friend’s car
- When you are hit by a vehicle while cycling, running, jogging, or walking
- If you are involved in a fatal crash
Your health care plan may protect you and your spouse or children. However, a Medical Payment Coverage will protect everyone, including your passengers in the event of a collision.
Are you wondering whether MedPay is ideal for you? Contact Karnas Law Firm, PLLC, to speak to a Tucson Medical Malpractice Attorney.
Determining Your MedPay Coverage Needs
Your coverage amount often depends on your needs. Before you settle on an amount, compare your health insurance coverage to the potential risk and try to make up the difference with MedPay. You should also consider how much premium you are comfortable paying.
Experienced Car Accident Attorneys in Arizona
Here at Karnas Law Firm, we recommend our clients carry MedPay in their auto insurance policy. If you are stuck paying for medical expenses relating to a car accident, call us anytime.
The car accident lawyers at Karnas Law Firm are here to help you recover the maximum amount available for all associated damages. With more than 25 years of experience representing injured accident victims in Arizona, we understand the stress of being injured as a result of a third party’s negligence. Our team can lift the burden of settling a personal injury claim from your shoulders and relentlessly fight for fair compensation.
We are available in Tucson at (520) 338-1641 or at our Yuma location at (928) 550-8020. You can also email Olivia Gaxiola at firstname.lastname@example.org to set up an appointment.
Our attorneys are known as some of the top lawyers in the business and have received accolades such as Top 100 Civil Plaintiff Lawyers and Top 100 Trial Lawyers. We are also Lead Counsel rated.
To get started on your case, contact us today for a free case evaluation. We look forward to talking to you soon.
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