What is Med Pay?
Med pay is sometimes called medical payments. Med pay should not be confused with Pip. You purchase it through your auto insurance. However, it is designed to pay for the following in the event of a car accident:
- Funeral expenses
- Necessary medical services
- EMT or ambulance service
- Chiropractic treatments
- ER visit
It appears not to cover a lot. It is important for medical services. You can find a doctor that will take it on this website. Medical services and going to see the accident doctor can cost a lot of money. If you have med pay these are paid for. It also has to reasonable and necessary treatment.
Experimental treatments are not covered. Charges have to be consistent with the area for similar type services. In other words, an accident doctor cant charge 2000 for X-rays. Be aware, there are unethical accident doctors who will abuse med pay. They will overcharge and try to bill for all the coverage. Accident Doctor does not have unethical doctors. This type of behavior drives insurance premiums to new heights.
You can receive med pay if you are injured and:
- You are the named insured on the policy
- A passenger in the car of the insured
- A user of the vehicle that has permission to drive it from the insured
State laws do vary. Talk with your doctor to find out more
Some exclusion will apply to some states
- If you use your car as a taxi
- If you are using the vehicle involved in a felony (evading the police)
- Injury in vehicle was caused by a war or some type of rebellion
- Your vehicle has less than 4 wheels
Why Med pay or medical payments is important
Med pay is not a requirement in most states. It is just a supplement to the coverage you already have. The cost is quite small. If you use med pay once in your life, in some cases it has paid for itself. The benefits are paid no matter who was at fault. If you run into the back of someone, and have med pay, you and your passengers are covered. It is a good idea to talk to your insurance agent about this type of coverage. It can cover you medical so you don’t have to.
The cost is very small. In cities with high accidents per year, it is imperative to have it. In some cities, you are prone to have an accident every 4 years. If i have an accident for 4 years, in 20 years i have had 5 accidents. Med pay is a must with odds like these. It does not hurt you to pick up the phone and call your agent. You might be surprised at how little it cost per year. Mine cost me 55 dollars a year for 5000 coverage. More information on med pay can be found here.