Medical Payments (Med Pay) Insurance and Car Accidents

Do you have Medical Payments coverage, better known as Med Pay, on your auto insurance policy? Like many people, you may not even know what that is.

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Med Pay coverage is there to help with your medical bills when you’re hurt in an accident. It pays regardless of who’s at fault for the accident. So, even if no-one is found at fault it will help pay for you and your passengers medical bills that are a result of injuries sustained in the collision. It will even cover injuries that are a result of a collision that occurs if you’re a pedestrian hit by an automobile or if you’re in someone else’s vehicle, bus, taxi or other public transportation.

In Nevada, Med Pay is optional coverage on your auto insurance policy. If you choose to purchase Med Pay, you can usually choose coverage of $1,000, $2,000, $5,000 or $10,000 per person and it’s usually a fairly inexpensive option but can be very beneficial when injured in an accident. Med Pay will reimburse you, dollar-for-dollar for any out-of-pocket medical treatment that is a result of the accident. There are no deductibles or co-pays.

Remember that collision coverage, comprehensive coverage and liability coverage do not pay for your injuries or those to your passengers.

Check out this article from the Nevada DMV for more information. http://www.dmv.org/insurance/medical-payments-coverage.php

Do you have this optional coverage? Has it helped you after an accident? We would love to hear how!

Share your story with us,  and maybe it will help one of our readers! Please leave your comments below.

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