Medical payments coverage or “medpay” is an optional coverage under your own personal automobile insurance. If you have medpay, then it will provide coverage for you and for any individuals injured in your car as a result of a car accident that is the fault of another party.
One of the first things we investigate when you retain our firm is whether your insurance policy has medical payments coverage. You pay a monthly premium for this coverage and should use it to your benefit if you need help paying your medical bills after a car accident. We typically see coverage limits for medpay range from $1,000 to $10,000, depending on the policy. Your own insurance adjuster should inform you after a wreck that this coverage is available to you to help with your medical bills. Unfortunately, many clients who are injured in car accidents are never told they have this coverage, even though they pay for it, and are stuck with massive medical bills.
Some law firms take a fee when they obtain medpay for a client. Unless we have to spend a significant amount of work obtaining you compensation under your medpay coverage, then we don’t apply a fee. Our firm philosophy is that you are entitled to this coverage and unless we have to put up a real fight to get it, then we won’t charge you for it.
Unfortunately, automobile insurance adjusters will tell their own insureds that they have to jump through a number of hoops to get medpay coverage after a car accident. The truth is, your car insurance adjuster works on behalf of a big insurance company that is trying to delay paying you the coverage you paid for and deserve. The hoops you have to jump through may seem burdensome and you may just give up seeking this coverage altogether. Instead of giving up, consider contacting an attorney to see what they can do to help you through this process.
If you are injured in a car accident and are curious about whether you have medpay coverage or are having a dispute about medpay coverage, then feel free to contact our office. Our attorneys have recovered medpay on numerous occasions for our clients and we would be glad to see what we can do for you.