Medical Expense Benefits: What are they and how do they work?

Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Author: Kathleen M. Smith, Fredericksburg, VA Personal Injury Attorney

Few people have a complete and thorough understanding of the various types of coverage afforded under their personal motor vehicle insurance policy. Whether the policy is purchased online or through a local agent, the primary consideration for most consumers is total annual cost. Once a policy is selected and these premiums are paid, the issue of automotive insurance is understandably set aside in favor of more pressing every day concerns. In the aftermath of a motor vehicle collision, insurance coverage once again takes center stage as medical costs begin to mount, time is missed from work and painful days turn into weeks and even…

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The Benefits of Having Med Pay or Medical Payments Coverage on your Insurance Policy - VIDEO


Fredericksburg, VA based personal injury attorney Kathleen Smith answers the question: “What is medical expense coverage and why should you have it?" and discusses why auto insurance is important.


What is medical expense coverage and why should you have it?

Medical expense coverage, sometimes referred to as med pay, is an optional coverage available for you on your automobile insurance policy. It protects you in case you don’t have health insurance, but you’re injured in an accident, whether it’s your fault or not. It will not only cover you, it’ll cover anyone in your family, and anyone who happens to be in your vehicle at the time of the collision.

Why is medical expense…

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Does Virginia Require Me To Have Car Insurance? - VIDEO

Ryan E. Wind, Mechanicsville Personal Injury Attorney

Mechanicsville, VA based personal injury attorney Ryan E. Wind answers the question: “Do I have to have car insurance in Virginia?” and discusses why auto insurance is important.


Insurance Requirements in Virginia

My name is Ryan Wind, and I’m a trial attorney at Allen and Allen. Often I’ve been asked “do I have to have car insurance in Virginia?” Technically no, but if you choose not to have automobile insurance then you have to pay a $500 fee every year.

You Should Have Auto Insurance

It is important to have automobile insurance because it protects you in two different situations. One situation is when you cause a collision; the automobile insurance protects you so you will not be personally…

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How Much Car Insurance Is Right For You? - VIDEO

Jason W. Konvicka, Richmond, VA Medical Malpractice Attorney

Richmond, VA based personal injury attorney Jason W. Konvicka answers the question "How Much Car Insurance Is Right For You?"

What to consider when buying car insurance

My name is Jason Konvicka, and I’m a trial attorney with the Allen Law Firm. Many times I’m asked “how much coverage should I have on my car insurance policy?” The most important thing is to consider that car insurance is protecting you in two ways. It protects you if you cause an accident, but it also protects you if you’re injured by someone else who has either no coverage, no insurance at all, or very little insurance coverage.


Car insurance coverage amounts

I always recommend that people buy as much insurance as they can…

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Understanding Your Car Insurance Policy


Author: Bridget N. Long, Petersburg, VA Personal Injury Attorney

Often people don’t understand exactly what their car insurance covers until they are involved in an accident.  Many people believe because they have “full coverage” they are protected when they get an accident.  It is important to understand the different kinds of coverage a standard automobile liability policy in Virginia contains and how each of these coverages works. 

What is "full coverage" car insurance?

What does “full coverage” mean?  Typically, when an insurance agent or company says a policy contains “full coverage” it means the policy provides both liability and collision coverage.  In other words, if you are involved…

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Who Is My Case Against – The Other Driver, Their Insurance Company or My Insurance Company?


Author: Robert C. T. Reed, Richmond, Va Personal Injury Attorney

People who have been harmed due to someone else’s careless conduct often know they have a right to be compensated for their injuries. But, the source of that compensation can be unclear to those who have not had such a claim before. 

For instance, take a motor vehicle collision between two vehicles without passengers.Both drivers have automobile insurance, and one driver is at fault and the other driver is injured. In this example, the injured driver has a legal right to recover compensation from the at fault driver. The injured driver’s “claim” can include medical bills, lost wages, pain, suffering, inconvenience, and mental anguish. …

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Aggravation: The Effect of Pre-Existing Medical Conditions on Personal Injury Claims

Christopher J. Toepp, Fredericksburg Personal Injury Attorney

Author: Christopher J. Toepp – Fredericksburg Personal Injury Attorney

I regularly speak with new clients who have medical conditions that predate their motor vehicle collisions. Over time, I have also represented clients who have been injured in two and even three separate accidents. Each one of these clients has the same question: What effect will my prior medical history have on the outcome of my personal injury case? While the question itself is straightforward, the answer can be surprisingly complex.

Under the law of Virginia, every plaintiff in a personal injury case is entitled to seek full and fair compensation for their bodily injuries; the medical expenses incurred as a result of those…

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Selecting Appropriate Auto Insurance Coverage Limits in Virginia


Author: John G. "Jack" Berry, Charlottesville Personal Injury Attorney 

                The owner of an automobile or other motor vehicle faces a complicated and often confusing array of choices concerning the purchase of auto insurance coverage. Television and other advertisements which encourage purchasing automobile insurance over the internet compare only prices without any discussion of the coverage limits provided at that cost.  Accordingly, decisions about motor vehicle insurance coverage are often made in a hurry, with an eye only towards the price of the coverage and without any real understanding of the risks which arise from making the wrong decision when it comes to coverage limits.  


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