Most insurance policies have medical payments coverage, also known as "med pay". This is money that can help pay for your medical bills, regardless of who is at fault in an automobile accident. Coverage typically ranges from $1,000.00 to $10,000.00. This is not the total limit that will be paid out, but rather the amount that will be paid out for each injured person covered under the policy. So, for example, if you had a policy with $5,000.00 in medical payments coverage and you and your spouse were injured in a car accident, your insurance would pay a total of $10,000.00 towards you and your spouse's medical bills. Medical payments coverage may be paid in addition to any amounts that may be paid out under liability limits. However, the same bills won't be paid by both medical payments coverage and liability coverage.
Medical payments coverage can also be used in conjunction with your health insurance. So anything not covered by your health insurance could be covered under your medical payments coverage, up to your med pay limits. Your medical payments coverage can also be used to pay your deductible as well as any co-pays you may have.
If you've been injured in an accident, contact car accident attorney Stephanie Flynn, or call (402) 325-8469 to schedule an appointment.