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Understanding the Medical Payments Coverage in Your Auto Insurance Policy

Understanding the Medical Payments Coverage in Your Auto Insurance Policy

What Is Medical Payment Coverage? Medical Payment Coverage (commonly known as “Med-Pay”) is an add-on option to your automobile insurance policy which is intended to cover the reasonable medical expenses of the insured driver and/or the driver’s passengers incurred as a result of an auto accident. The amount of Med-Pay available is determined by the specific limits purchased by the insured. The Med-Pay policy add-on is discretionary in California and provides an additional source of funds for individuals injured in automobile accidents without having to establish liability. Nager v. Allstate Ins. Co. (2000) 83 Cal.App.4th 284, 290. Whether you cause an accident, or are simply involved in an accident caused by another driver, Med-Pay is available to the insured recipient and his or her passengers regardless of fault. Med-Pay is offered by almost all automobile insurance carriers throughout the country. In other States, Med-Pay coverage is mandatory and known as “PIP Coverage” or “Personal Injury Protection (PIP);” For example, the States of New York, New Jersey and Florida have such a mandate. As referenced above, Med-Pay only covers “reasonable medical expenses” incurred as a result of an auto related accident up to the limit purchased per person in your vehicle. For example, most auto insurance carriers deem the following as reasonable medical expenses: Emergency Ambulance Transport Emergency Hospital Services Radiological Testing (X-Rays, MRI, CT Scans) Surgical Procedures Hospital Bills Physician Bills Pharmacy Bills Chiropractic Care Physical Therapy Pain Management Care Acupuncture Therapy Typical Med-Pay limits seen in California are $1,000, $2,000, $5,000 and $10,000. Some larger carriers, i.e. Allstate and State Farm, offer Med-Pay Coverage of $100,000 or more...