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Often called "med-pay" for short, Medical Payment Coverage is a type of insurance that provides at least $5,000 coverage for the insured driver and each passenger to pay for injuries sustained in a car accident, regardless of who is at fault.

Med-pay coverage is designed to pay the immediate medical costs, up to the limit purchased by the consumer, for medical expenses including ambulance and emergency room costs, for an insured driver and passengers, regardless of responsibility for the accident. Without med-pay benefits, auto insurance policies may not cover medical costs for insured parties when injured in an automobile accident.

Med-pay coverage allows immediate medical payments for the automobile accident related expenses. If you are hurt in an auto accident and have med-pay benefits included on the policy, your auto insurance company pays for the medical treatment up to the limit purchased.

Commissioner of Insurance Marcy Morrison said:
“This law gives people the opportunity to insure themselves against the immediate costs associated with injuries from a serious car accident. There are significant costs associated with emergency services, including ambulances, emergency room doctors and medical procedures that are covered by med-pay,” Morrison said. “This means people who have this coverage can concentrate on recovery instead worrying about how the immediate bills will be paid.”

All insurance companies must include the med-pay coverage with new and renewal policies, but consumers will have the option of rejecting this coverage in writing. Drivers and passengers with med-pay coverage have an additional layer of financial protection against medical bills incurred in an auto accident.  In addition, Med Pay may cover alternative treatments that your traditional health insurance may not cover.

Your insurance company should tell you what the premium amount is at the time you purchase or renew your  policy. Consumers may reject the med-pay coverage in writing.   I highly encourage all of my policy holders, even those with adequate health insurance, to add med pay coverage to their policy.  $5000 is the minimum coverage, but policy holders can add as much as $25,000 worth of med pay coverage to their policies.  For those insureds with high deductibles on their health insurance, Med Pay coverage is an absolute must.  Without this coverage, if you are at fault in an accident and sustain injuries, you may not have any coverage for your medical expenses.

CatherineMarchAgency.com