Med pay coverage is called medical payments coverage in an insurance policy. This coverage will pay for reasonable expenses incurred for necessary medical and funeral services because of bodily injury caused by an accident and sustained by an insured. The insurance policy will not reimburse for experimental treatment, treatment not recognized within the medical profession within the United States. The services are only reasonable and necessary if the treatment is rendered by a licensed medical provider within his/her practices and the charges are consistent with the usual charges within the geographical area for similar services. In California, acupuncture is a covered expense by licensed acupuncturists.
This coverage applies only in limited circumstances. First you must be injured
and you must have incurred medical expenses. The insurance coverage does not pay for future medical expenses; it only reimburses for medical expenses you have due to your injuries in the accident. Secondly, you must be an insured under the policy to receive the benefits of med pay coverage. An insured under the insurance policy is
Insurance coverage follows the vehicle. If you are in a vehicle that has med pay coverage on its policy, you will likely be a covered insured under the med pay coverage of the policy. However, you may be a covered insured for med pay coverage under more than one policy. It is best to consult attorney to be sure you know which policies may cover you under the medical payments coverage of the insurance policy.
As is the case with most insurance policies, there are listed exclusions to when the policy does not apply. Here is a list of some of the exclusions:
It is not required that you carry med pay coverage in some states. Therefore, the coverage is only a supplemental coverage you can purchase on your policy. Typically the charge for this coverage is small compared to the benefit you can receive if you are ever in an accident. If you are injured and an insured under the med pay policy, then you are entitled to this benefit regardless of fault. I encourage you to ask your agent about adding this coverage to your policy today.
Many automobile insurance policies include MedPay, which can be used to pay for reasonable and necessary medical and funeral expenses due to a car accident, regardless of who is at fault. The coverage will pay up to the limits listed in the policy for each individual injured. Typical limits of MedPay coverage are $1,000 or $2,000, but most insurance companies will sell much more, depending on what you want to pay as a premium. Unlike liability coverage, which is required by law for all automobile insurance policies, MedPay is an optional coverage, so it is not included in every policy. It is typically only included if the policyholder asks for it when applying for the policy. You can add Med Pay or increase your amount of MedPay when you renew your policy. After a collision, the at-fault party may be liable for the cost of your medical bills, lost wages and pain & suffering. In North Carolina, you may be able to recover from your MedPay coverage as well. There can be complicated interactions with MedPay and other insurance coverage, including health insurance, that may require consultation with an experienced NC personal injury lawyer.
I am assuming you are referring to bodily injuries. There are, indeed, other remedies available. 1. If you have PIP or MedPay on your own auto policy, it will pay for reasonable and necessary medical expenses up to policy limits. ONE CAVEAT: This is state dependent, and mandatory in some states. In no more than two or three states, PIP (Personal Injury Protection) is mandatory and the coverage from the owner of the vehicle is ALWAYS primary. New York is an example. 2. Private or group health insurance will cover any injuries sustained. They will pay without question because it is a contractual coverage and the policy says they will cover specified expenses. They WILL, however, then 'subrogate' (recover paid amounts from) any available carrier that insures the patient for that loss. The sequence would be as follows: They would turn to the patient's carrier first (for PIP or Medpay) because that is a contractual coverage and they MUST reimburse if the coverage is in place. (They may do some negotiations of their own, but it will not affect the policyholder.) If that is not in place, or is not enough coverage to pay all the bills, they will go directly to the unisured motorist in whose vehicle you were riding.
STOP. Never drive away from the scene of an accident, even a minor one.PROTECT THE SCENE. You can prevent further accidents by setting up flares, or keeping your flashers on. If it is dark and your lights don't work, you should have a flashlight to keep you safe while you wait in your disabled car or by the side of the road.CALL THE POLICE. Even if there are no serious injuries, it is a good idea to call the police. You may need a police report to file a claim with your insurance company, even if it is just to make a claim for damage to your vehicle. The vehicles involved in the accident should remain where they are, unless they interfere with traffic.MAKE AN ACCURATE RECORD. When the police arrive, make sure you tell the investigating officer(s) exactly what happened, to the best of your ability. If you do not know certain facts, tell that to the officer. Do not speculate, guess or misstate any of the facts. If you are asked if you are injured and you are not sure, say you are not sure, rather than no. Often, the pain and injuries from motor vehicle accidents become apparent hours after the actual collision. You should also make sure statements made by other persons involved in the accident are accurate as well.TAKE PICTURES. If you happen to have a camera in your vehicle, or a cell phone equipped with a camera, you should take pictures of the vehicles if there is visible damage. If you have visible injuries, you should photograph them as well. However, you should in no way interfere with the on-going police investigation. If you cannot take pictures at the scene of the accident, take them as soon as possible after the accident.EXCHANGE INFORMATION. Typically, the investigating police officer obtains this information. However, if the police do not respond to the accident, you should obtain the name, address and telephone number of all persons involved in the accident, drivers and passengers alike. You should also obtain information about insurance by asking to see the insurance card for all vehicles involved in the accident. If there are witnesses, you should get information from them as well so that you or your attorney can contact them in the future. If police respond to the accident, the investigating officer usually will provide all drivers with a police report number. You can use that number later to obtain the police report. If the accident occurs on a state highway, you must request the report from the state police.REPORT THE ACCIDENT. Notify your insurance company as soon as possible. Many policies require immediate reporting and full cooperation. Find out if you have medical benefits as part of your insurance coverage. You pay extra for that type of coverage - known as "medpay" - so you should use it. In fact, if you have medpay coverage, you are required to submit your accident-related medical bills to your insurance company. Medpay coverage is primary for accident-related medical bills. Once medpay benefits are exhausted, private health insurance becomes your primary insurer. Medpay benefits are available to all the occupants of the vehicle. Your insurance rates should not increase as a result of submitting claims for medpay coverage.SEEK MEDICAL ATTENTION. Often, injuries caused by motor vehicle accidents are not immediately apparent. Most of our clients report feeling the most pain a day or two following an automobile accident. Unless you are absolutely certain you were not injured, you should seek medical attention at your local emergency room or by seeing your family physician. Even in accidents involving minor impact, you can sustain a serious and permanent injury to your spinal cord. If you lost consciousness or were dazed for even a short period of time following the collision, you may have suffered a concussion or closed head injury. This can cause cognitive and behavioral changes if left untreated.KEEP A FILE. Keep all your accident-related documents and information together. This information should include a claim number, the claim's adjuster who is handling the claim, names and phone numbers of all contacts, receipts for a rental car and other expenses incurred as a result of the accident.PROTECT YOUR RIGHTS. Perhaps the most important thing you should do after an accident is to consult your attorney. Your attorney can protect your rights and make sure valuable evidence is not destroyed. Often, insurance companies want to take statements immediately after an accident. It is important that you have received legal advice before providing such a statement. Your attorney can advise you on issues ranging from how to make sure you are fully compensated for your vehicle to how to make sure you are getting the best medical treatment available. Personal injury attorneys work on a contingency fee basis, which means there is no legal fee unless the attorney recovers compensation for your injuries.
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