What is Medpay?
Medpay stands for medical payments coverage. Many auto insurance companies offer medical payments coverage as part of automobile insurance coverage on your insured vehicle.
What does "Medpay" Cover?Every auto insurance policy is different, but, in general Medpay covers reasonable and necessary medical bills incurred as a result of a collision. It covers the driver and any passengers in the insured auto. Typically, Medpay limits are small. ($1,000, $2,000, $5,000 and $10,000 are typical medpay limits). Medpay is available regardless of fault. If you are a passenger in an insured auto that has medpay coverage and you also have a car insurance policy that has medpay coverage, you may have medpay available from more than one source.
Medpay is different than liability insurance. Liability insurance covers the vehicle that caused the crash (the at fault party). Those limits are higher.
Does "Medpay" only apply to car accidents?Not necessarily. Many homeowner's insurance policies and general liability insurance policies (covering businesses) have medpay coverage available. Again, the limits are small. But, if the homeowner or business owner has medpay and you are injured on their property, medpay coverage may be available to pay some medical bills regardless of fault.
How do I use Medpay?If you own, drive or were a passenger in a vehicle that was insured, contact the insurance company that insures the vehicle you were in and inquire as to whether there is medpay coverage. If so, open a claim. You will have to submit your medical records and bills for any medical treatment you received as a result of the crash. Once verified, the insurance company will either pay the medical provider directly, or, in some instances will pay you.
Medpay does NOT cover pain and suffering, lost wages or any other types of claims. It is intended to solely cover the cost of medical treatment. Knowing how to use the money available from medpay coverage can be tricky. Consulting with a seasoned personal injury attorney in your jurisdiction is recommended to insure that any medpay you might be entitled to is used in the most beneficial way.
Is Medpay available if I also have a personal injury case?Yes! Medpay is an important component to any personal injury case. It is important to speak with a seasoned personal injury attorney about medpay. If you received (or medical bills were paid on your behalf) by an insurance company pursuant to medpay, that insurance company may have a right to be reimbursed out of any personal injury settlement or judgment that you receive from the at fault party. This is known as subrogation.