Med Pay: Auto Injury Payments
A Complete Guide to Med Pay for Auto Injury Care in Oklahoma
If you’ve been injured in an auto accident, understanding Med Pay (Medical Payments Coverage) is crucial. This guide covers everything you need to know about Med Pay, from what it covers to how it impacts your insurance and personal injury settlement.
What is Med Pay?
Med Pay is an optional coverage available through your auto insurance policy. It helps pay for medical expenses incurred due to a car accident, regardless of who was at fault. Unlike health insurance, Med Pay does not require deductibles or co-pays. You can choose coverage limits ranging from $1,000 to $100,000, depending on your policy.
What Does Med Pay Cover?
Med Pay covers various medical expenses, including:
Emergency medical services (EMT, ambulance)
Hospital and ER visits
X-rays and MRIs
Chiropractic treatments
Surgery
Nursing services and in-home care
Dental work due to accident-related injuries
Funeral expenses
Each insurance policy differs, so it’s essential to review your coverage or consult your insurance agent.
What Med Pay Does Not Cover
Med Pay will not cover:
Property damage
Injuries sustained while using your vehicle for commercial purposes
Injuries resulting from criminal activities (e.g., fleeing law enforcement)
Pre-existing medical conditions
Experimental treatments
How Does Med Pay Work If You’re At Fault?
Med Pay covers you and your passengers regardless of fault. If you’re found at fault in an accident, Med Pay ensures your medical expenses are still covered up to the policy limits.
How Much Does Med Pay Cost Per Year?
Med Pay is relatively inexpensive. For example, $5,000 in Med Pay coverage may cost as little as $55 per year. Higher coverage limits offer better protection at a slightly higher premium.
How to Check If You Have Med Pay Coverage
You can confirm if you have Med Pay by:
Checking your auto insurance policy’s declaration page
Calling your insurance agent
Does Med Pay Cover Injuries in Someone Else’s Car?
Yes. If you are injured while riding in another person’s vehicle, your Med Pay coverage may still apply, depending on your policy terms.
Can My Doctor File a Med Pay Claim?
Yes, doctors can file Med Pay claims directly with your insurance company, simplifying the process so you can focus on recovery. However, not all doctors accept Med Pay. To find a personal injury doctor who does, click here.
Should My Attorney File for Med Pay?
Some attorneys file Med Pay claims and hold the funds in escrow until your case settles. However, they may charge additional fees for this service. Always ask about extra costs before allowing your attorney to file on your behalf.
Will Filing a Med Pay Claim Affect My Insurance Rates?
If you are not at fault, filing a Med Pay claim should not impact your premiums. However, if you are at fault, your insurance rates may increase regardless of whether you use Med Pay.
Will Filing a Med Pay Claim Reduce My Personal Injury Settlement?
No. The at-fault party’s insurance remains responsible for covering your medical bills, regardless of whether Med Pay was used.
How Much Med Pay Should You Carry?
Medical expenses from an accident can add up quickly. It’s wise to carry at least $10,000 in Med Pay coverage, as higher limits provide better financial protection.
Final Thoughts on Med Pay
Med Pay provides peace of mind by covering medical expenses after an accident. If you don’t currently have it, consider adding it to your auto insurance policy. To find a doctor who accepts Med Pay, click here.
For more information on auto injury care and Med Pay options in Oklahoma, consult a trusted accident doctor or insurance professional today.