Med Pay coverage in California (also known as medical payment coverage) is a type of optional insurance which covers bodily injuries caused by an auto accident. This type of insurance does not only cover injuries of a policyholder, but also covers injuries for the passengers who were involved in the accident as well.
The unique quality about Med Pay is that medical expenses related to the injuries are covered no matter who is at fault for the accident. Advantages of medical payment coverage are that the policyholder and his/her family members can claim damages in case they:
- They were hit by a vehicle while they were a pedestrian
- They were injured while a passenger in another person’s car
- They were injured while using public transportation
Types of Med Pay Coverage
Primary coverage provides the policyholder with a wide amount of insurance. A personal injury lawyer collects the medical bills that the policyholder has accrued after his accident. They bring forth those bills to the driver’s auto insurance, and the company will compensate for the damages.
Second coverage is not expensive but is only applicable if the driver already possess health insurance. The main advantages of secondary coverage are that the co-pays, deductibles, and the segment of the medical cost that the driver’s insurance company does not pay for will be also covered.
Additionally, it is worth mentioning that Med-Pay is not unlimited, and the largest amount a policyholder can receive is $25,000 dollars.
Med Pay Insurance vs Personal Insurance Protection
When comparing Med Pay and PIP it can be difficult to decide which one to choose. Depending on your circumstances, it is important to decide which auto insurance coverage would fit you best.
Med Pay Coverage
Med Pay covers medical, recovery, and even dental expenses after an accident but it does not replace any kind of health insurance.
Personal Insurance Protection Coverage
PIP coverage is a little more extensive than just covering only medical bills. With this type of insurance rehabilitation expenses, psychiatric bills and occupational therapy costs will be covered. PIP also offers insurance for lost wages.
What Expenses Are Covered by Med Pay Insurance?
The insurance covers all related medical payments from when the vehicle accident took place all the way through the treatment process. The expenses can include:
- Ambulance fees
- Doctor and hospital bills
- X-Rays and MRIs
- Nursing care
- Dentist visits and operations
- Chiropractor or acupuncture bills
- Funeral expenses
What Expenses Are Not Covered by Med Pay Insurance?
The following expenses are not covered under California medical payments insurance:
- Car repair bills
- Property damage costs
- Accidents not involving a vehicle
- Expenses which are not related to the accident
- Coverage in excess of policy limits
Do you have any additional questions about med-pay coverage for a specific situation that you’re involved in? You should be able to seek legal assistance from an attorney in your area. KAASS Law offers services throughout Los Angeles County, San Bernardino County, Ventura County, and surrounding areas.
If you are located within our service area, feel free to give us a call about any questions or concerns you have regarding your matter. We will try to help you out with the best of our ability.