Do You Have Med Pay? Can You Use Med Pay?


Medical payments coverage is an option available on most automobile, homeowner’s, and commercial general liability insurance policies.  Medical payments coverage, often referred to as “med pay”, will result in payments to any insured and covered persons for medical and funeral expenses incurred as the result of a loss or incident covered by the policy.  Generally, the insurance company will pay for services rendered within 3 years of the date of the accident but read your policy for all time limits applicable to your med pay coverage.  Unless the policy excludes coverage, the following persons are insured for the purposes of medical payments coverage: (1) the named insured and his or her spouse (if they live in the same house) (2) any family member residing in the named insured’s residence and (3) anyone else using the vehicle at the time of the car accident.  Medical payments can be collected even by a driver or person who was at fault for the incident.

Med pay is among the least expensive insurance coverage you can obtain and it can pay real dividends.  It often comes in handy to reimburse you for the out-of-pocket expenses you incur when you are involved in an accident in which you sustain personal injury. Prescriptions, co-payments, deductibles, and other costs can add up quickly and using your med pay can help put some of this money back in your pocket before your personal injury claim is resolved.  Note you are entitled to collect med pay benefits irrespective of whether you have health insurance.  Another benefit of medical payments coverage is the convenient and legal “double recovery” concept:  you can recover med pay benefits for the same medical bills for which you are seeking reimbursement by the insurance company of the at-fault party.  And in some situations you may be able to recover medical payments from multiple insurance policies……..this gets into an often complicated issue called “stacking”. 

If you have medical payments on your policy yet fail to use it you are essentially throwing your money (premiums paid) away.  If you have been involved in an accident or incident where you have sustained personal injury and need assistance with medical payments or some other aspect of a personal injury claim, contact the O’Neal Law Office for personal attention and professional results.

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