One of the most common injury cases that we handle here at the office is car accident cases, or truck accident cases, or motorcycle cases. And inevitably every time an accident happens, there are large amounts of medical bills that need to be covered. And if you have med-pay or medical payments coverage under your own policy, that is a good thing.

Why, and what is med-pay? #

So med-pay is really not mandatory, so your agent does not have to add it to your policy when you purchase a policy. Meaning that you have to ask for it if your agent is really a good one they will ask you to add it to your policy. It’s really beneficial just in case an accident happens. Medical payments coverage kicks in if you have medical bills that are related to your car accident.

Meaning it does not have to be anybody else’s fault, you can hit a tree, and your med-pay coverage will still kick in and cover your medical bills, and the benefits of med-pay are, that it’ll start covering your bills right away. You don’t have to wait until the end of the case, to get those bills covered, and as I talked in my previous videos.

Medical Providers #

Sometimes medical providers do not want to wait to get there, you know bills paid and they are going to send your bills to a collection agency, and that may impact your credit score. So med-pay kicks in right away, so if you get a bill you can send it to your car insurance policy, or if you are represented by us we do it on your behalf, that’s going to get covered right away. The other point is that those bills there’s no deductible. Meaning that, all of the bills are going to get paid. If you do have private health insurance, you should obviously submit it through that first. And then if you’ve got some co-pays your med-pay would cover that as well as deductibles.

Med-pay I’ve seen it range from $1,000 to you can add it to $100,000. It’s really not that expensive. I think a lot of my clients do have it, and they’re usually minimal like a $1000, $2000, $5000. I’ve seen $25.000 policies. They’re great here in Missouri, so have it, great. If not, ask your agent to add it to your policy. At the end of the day you know God forbid an accident happens. It may be a lifesaver been dealing with medical bills.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney