Medical Payments Coverage

An additional source of recovery in the aftermath of an accident

Author: Robert L. Mertig, Claims Consultant

No one plans on being injured in an automobile accident; yet it happens to thousands of people across the country every day. If you happen to be one of the unfortunate people who are injured in an automobile collision, it is important to remember that you are ultimately responsible for payment of the medical bills that accrue as a result of your injuries. While you may be compensated for these expenses after the fact, personal injury claims, whether settled or tried to verdict, take time.

In the short term, medical payments coverage, or “med pay,” on your own automobile policy can be used to help pay for medical bills, health insurance co-pays and other out-of-pocket expenses that add up while your personal injury claim is pending.

Medical payments coverage is an additional benefit that can be added to every automobile policy in Virginia, often for minimal additional expense. Medical payments coverage can often be used immediately to pay for out-of-pocket medical expenses as they come due. In addition to standard medical bills, med pay can also be used to reimburse the cost of replacement eye glasses, dental services and even burial expenses. Medical payments coverage is a collateral source that often helps injured people bridge the gap between the date of the accident and final resolution of their personal injury claim.

Medical payments coverage is rather inexpensive and is well worth the additional cost. Once purchased, the coverage travels with you and affords protection while you are walking as a pedestrian, riding a bicycle or even when you are a passenger in someone else’s vehicle. When it comes to automobile accidents, it is smart to hope for the best but plan for the worst. Adding medical expense coverage to your automobile insurance policy can protect you and your family members in the immediate aftermath of a collision.

About the Author: Robert Mertig is a claims consultant with Allen & Allen, working under the supervision of Petersburg accident lawyer Paul Hux. Bob assists clients in resolving their personal injury claims.