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Stick With MedPay or Risk Paying the Price

If you are injured in a car accident, life gets complicated fast. You are suddenly injured, perhaps caring for other members of your family who were injured as well, and are facing piles of medical bills. Add on extra phone calls and paperwork with an insurance adjustor, and you are in chaos sooner than later.

Most people are concerned with the financial aspects of damage to their car or liability to others for any crashes.  What is often overlooked is your own health and well-being following a car accident.  Medical bills stemming from an automobile accident will accumulate quickly, even with medical and automotive insurance. Further, claims to insurance companies can take months to become approved, leaving you stuck with the unexpected expense of an accident.  Many people don’t know who will pay their medical bills following a car accident, especially if the other driver was at fault.  The other driver’s insurer will NOT pay your medical bills as you go.

Fortunately, there is an option to protect you and pay for yourself, your family, and others riding in your vehicle. Medical insurance for your auto policy, known commonly as MedPay coverage, is relatively inexpensive and can make a huge difference in your life after an auto accident.

MedPay is often one of the first things cut or reduced from auto policy insurance quotes, in the hopes that it will lower your monthly insurance bill. Many people carry Medpay coverage of no more than $5,000.  However, we strongly encourage our clients to look for other ways to decrease your insurance bill and increase the Medpay coverage.  MedPay can become invaluable should you get in an accident, and we recommend insuring MedPay up to $25,000 or higher.  These days $5,000 often will not even cover the various emergency room charges.

MedPay has numerous benefits. The first is that the coverage pays for your medical costs no matter who is at fault for the accident. You, your family, and anyone in your vehicle will be covered under your MedPay benefits. Even better, your MedPay coverage follows you as you leave your car and walk or take public transportation. Finally, MedPay has no deductible or copay. You can rest assured that you will not have to foot major medical bills after your already inconvenient – and sometimes traumatic – accident.

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