Medical Payments insurance, commonly referred to as MedPay coverage, is designed to pay for medical expenses incurred as a result of injuries sustained in an auto accident. This coverage is available through most auto insurance providers and pays out for auto accident-related injuries regardless of who was at fault, up to the policy limit that you selected.
Who is covered under MedPay?
MedPay covers you and your passengers if you’re in an accident in your own vehicle; it may also cover you if you are hit by a car while walking, riding in another person’s vehicle, and more. In general, if you are in an accident that involves a vehicle and you have MedPay insurance coverage, then your MedPay coverage should kick in, up to the coverage amount that you paid for.
You were injured in an accident, which was your fault.
Your medical bills totaled $5,000.
You have MedPay coverage of $5,000.
In this case, MedPay should pay all of your accident-related medical bills.
Is MedPay coverage expensive?
You’re probably wondering if MedPay insurance coverage will clean you out. Likely, you’ll be surprised at how affordable the coverage can be. Compared to health insurance, for which many families pay thousands per year, MedPay coverage is relatively cheap. While MedPay is in no way a substitute for health insurance, the price tag is well worth it if you or your passengers wind up in an accident. While health insurance often requires copays or coinsurance, MedPay is designed to cover the entire amount, up to the amount of coverage that you selected.
The reimbursement provision of your policy.
Like most things in the insurance realm, you’ll want to pay close attention to the fine print of your policy as, in some cases, you may be required to reimburse your insurance carrier if your MedPay insurance carrier pays for your medical bills. If you are at fault for the accident and, therefore, do not submit an insurance claim against the other driver involved, then you should not have to pay back your carrier. If you are not at fault and do pursue a claim against the driver who was at fault, you may be required to pay back your insurance provider out of any settlement or award amount.
It’s important to consult with a car accident attorney as soon as possible following an accident, so that you can understand how to best proceed.
Injury Attorney Albuquerque NM
Baskerville Law is an injury law firm in Albuquerque, New Mexico. We help New Mexicans who have been injured and those who have suffered the loss of loved ones due to accidents caused by negligent parties. Our reputation reflects who we are – trustworthy and reliable – and we’re proud of that. Call 505-247-2774 to speak directly with our owner/attorney, Rob Baskerville, and see how we can help you in your journey to justice.
Contact Baskerville Law | Injury Attorney Albuquerque
Baskerville Law LLC | Injury Attorney Albuquerque | 505-247-2774