In a motor vehicle accident, the at-fault party is responsible for paying damages. But, sometimes it isn’t that simple. The driver responsible for damages might argue that they don’t have to pay compensation. If this happens, you might not get the compensation that you want. Or, the at-fault driver might not have insurance to cover your medical expenses and damages. If this happens, you might not know what to do. In this situation, it is a good idea to review your auto insurance policy. If you have certain types of insurance, your insurance company can pay for your bills. This is the case if you have medical payment coverage. This is also known as MedPay coverage. You can learn more about this type of auto insurance here.
What Is MedPay?
MedPay is a good form of coverage because it applies whether you are or are not at-fault for an accident. MedPay pays for your medical bills in an accident up to your coverage. It also covers other people involved in an accident. For example, it can cover your family members, other policyholders, and passengers in your vehicle.
Why Do You Need MedPay?
It can take months for compensation to get determined in your case. It can take even longer to actually get the compensation. In the meantime, you have medical bills to pay. It isn’t fair for you to pay these bills out-of-pocket when you did not cause the accident. MedPay helps because it will cover the cost of your bills while you wait for compensation.
MedPay also covers things that the at-fault party’s insurance company will gripe about. This includes bills for:
- Ambulance fees.
- Visits to a chiropractor.
- Dental fees.
- Prosthetic fees.
Many times, the other party’s insurance company won’t want to pay for these bills. In this case, MedPay can help.
MedPay is also usually an affordable form of insurance. It can be worth looking into. It can save you a lot of money on medical bills in a complex accident.
What MedPay Can’t Do
MedPay doesn’t always cover every medical expense that you have. You will have to sit down with your insurance company to review your policy after an accident. Also, MedPay won’t cover damage done to your vehicle.
If you have a difficult time getting compensation for damage to your vehicle, contact us. We can review your policy and your case. We can help you get compensation from the at-fault party or find a way to take care of this issue. We can also review your MedPay policy with you. This can help you figure out how your medical injuries can get paid for. Please set up a free consultation with our office to discuss your case!