Think Like a Lawyer and add MedPay to your Insurance Policy

Buying car insurance is a big deal. You want to make sure you have the right amount of coverage so that if anything happens, your car will be fixed, and you won’t have any financial woes. But what about you and your loved ones? If you are in an accident, you also need to make sure that you have enough coverage to take care of your medical bills if you are hurt in a crash. In our experience as car accident lawyers, we can assure you that most people regret not having enough coverage. At Rohan Law, we advise all of our friends to consider adding MedPay when they are signing up for car insurance. MedPay covers some of your medical bills that result from an accident which can help reduce some of the stress and pain associated with an accident.

MedPay is like adding health coverage to your car insurance policy

Adding MedPay to your car insurance policy is simple and easy to do and could save you a lot of money in the long run. You can purchase car insurance policies with or without MedPay. Adding MedPay is what a lawyer would recommend – since we think like lawyers and always want our clients to be as protected as possible! The law requires that you carry a liability policy that covers at least $25,000 in bodily harm to others, but it does not necessarily apply to you if you are the one that is hurt and the person at fault does not have insurance or if your medical bills exceed policy limits. MedPay is an extra special value to people who do not have health insurance because it can cover your medical bills, regardless of medical insurance coverage.

What can MedPay cover?

MedPay covers your medical bills in the event of an auto accident, regardless of your health insurance or the at-fault driver’s liability limits. It can cover things like ambulance bills, surgery, and hospital stays. If you are in a car accident and have to go to the hospital, med pay will help take care of some of those costs for you so that you don’t have to worry about them. Even if the accident was not your fault and you are suing someone to cover these bills, med pay can take care of these costs while your lawsuit is pending. More importantly, it will give you a dollar-for-dollar increase in the value of your case. For example, if you have a case that has a value of $35,000, but the at-fault driver only has $25,000 in liability coverage, then you will only get $25,000 for your case. If you have $5,000 in MedPay, then that money gets paid directly to the doctors. When the case settles, the medical bills are reduced by the $5,000 already paid and you then get to pocket that portion of the settlement proceeds. Effectively it turns your case into a $30,000 value for very little expense on your part. We explore this further below.    

MedPay is easy to use

After an accident, you can submit your medical bills to your insurance company. If you have MedPay insurance, they will pay the bills immediately. You never have to worry about the endless bills that would arrive in the mail every thirty days while you are recovering or if the case is pending in court. Plus, this coverage will be available regardless of who was at fault. So you don’t have to worry about whether or not bills will be covered at the end of your case. Whether you were the one who caused the accident or you were the victim, MedPay immediately takes care of and covers the cost of your medical bills. MedPay also covers the passengers who were inside the covered car.

MedPay helps to protect your credit score

If you have unpaid medical bills, you run the risk that they will be reported to the credit bureau. No matter how many letters you write to collection agencies or credit bureaus, you still run the risk of having unpaid bills affect your credit score. By having the medical service providers reimbursed in due time, you don’t have to worry about the liability falling on you. This is especially important if you are losing time from work as a result of your injuries.

MedPay allows you to choose your medical providers

If you are injured in an accident, you can experience soft tissue injuries such as whiplash. Most whiplash injuries do not require an orthopedist. You can address these injuries with a few visits to a chiropractor or physical therapist. If you use your health insurance, you may have to go through your primary care physician to get a referral to a treating therapist, and they may or may not cover chiropractic treatments. When you use your health insurance, you are subject to the regulations of your provider and may not have the flexibility to treat based on your preferences. When you have MedPay, you can treat your injuries without any of these restrictions. MedPay will cover care at the doctor, chiropractor, or physical therapist of your choice.