Medical Payments Coverage options provide additional coverage options for drivers. Medical Payments Coverage, or Med Pay, covers you, your family members, those listed on your policy, and those riding in your car in the event of an accident. Even if you are riding in another person’s car, or are simply walking on the street and are injured, med pay will cover your medical expenses Hgv medical.
Depending on the type of coverage you choose, this type of coverage will cover a number of different expenses such as co-payments, deductibles, nursing costs, chiropractic costs, eye glasses, and even dental work. If your medical expenses are higher than what your medical insurance will cover, med pay will cover the additional expenses. However, in some states, med pay is used first, so it is important to discuss the different state policies guiding your medical payment coverage options with your insurance agent.
Some states require a person to cover all vehicles owned by that person if he or she purchases medical payments insurance. Most options range from $1,000 to $10,000 for each insured person and can range from one to five years, possibly more. In states where personal injury protection plans and health insurance cover only a percentage of the bills associated with an accident, medical payment coverage is an attractive option.
Some med pay options require you to pay at least part of your bills up front while your claim is processed for reimbursement. However, regardless of who was at fault, your medical payment coverage plan will pay for your expenses and if there is financial hardship between the time you incur the bill and are reimbursed, other options exist for you to resolve the problem.