San Diego California accident attorney Mark Blane discusses what "medical pay" insurance coverage is and how much you should have on your policy for you and your family. He explains what it is used for (what medical expenses) and why it is advantageous for your injury lawyer to utilize in his negotiations with the at-fault third party insurance carrier. It can actually help to increase your net recovery when you settle with the third party carrier. Medical Pay or "Med Pay" is not required by California law but it is a good idea to have - whether you have private health insurance or not. Yet especially if you do not have private/public health insuarnce, it a good way to get cheap insurance in case you are ever involved in a motor vehicle accident. It will also protect you if you are a passenger in someone else's car, or if you are hit and injured as a pedestrian.