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.