FYI: How med pay coverage works in auto insurance policies

Do you and your family have med pay (“medical payment”) coverage on your auto insurance policy? If you don’t know what it is please continue reading:

  • Med pay applies to you and your family regardless of who is at fault in the accident.
  • Med pay also applies to all passengers in the vehicle at the time of the accident
  • The cost of having med pay coverage is a bargain compared to paying out of pocket
  • Med pay applies to practically all forms of medical care including the reimbursement for out of pocket costs reasonable related to the crash
  • If you are injured in an accident you do not need to worry about paying for the gaps in you medical care coverage: which sometimes include ambulance rides, certain types of surgery, and urgent care, MED PAY COVERS ALL OF THESE!!!
    • EMT or ambulance fees
    • Hospital stays
    • Surgery
    • Medical or Chiropractic Costs
    • Doctor appointments
    • Dental treatment
    • Nursing services
    • X-rays
    • Lab tests
    • Physical therapy
    • Prostheses
    • Doctor’s Co-Pay

-Thanks to Shawn Steel, Esq for this list of related coverage

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