TIP OF THE DAY NO. 4: MEDICAL PAYMENTS COVERAGE IS SOMETHING YOU MUST HAVE
MEDICAL PAYMENTS COVERAGE IS SOMETHING YOU MUST HAVE
Similar to uninsured motorist coverage, medical payments coverage is an absolutely essential part of making sure that you receive the medical treatment that you need after a car accident. Like uninsured motorist coverage, medical payments coverage is an optional insurance policy. You are not required to purchase it, but there is not any reason why you would not purchase medical payments (or “med pay”) coverage in connection with your auto insurance policy.
Medical payment coverage provides payments under your auto insurance policy to you and passengers in your case in the event that any of your are hurt in a car wreck. Med pay benefits under an auto insurance policy are paid out even if you are at fault for or caused the car accident. Unlike liability coverage or uninsured motorist coverage, you receive payments under med pay policies even if you caused the wreck that caused your injuries. If you have been involved in a car accident, you will see that your health insurance will be very difficult to obtain medical services payments from. You do not need that hassle and difficulty when you are hurt. A med pay policy will protect from these types of worries after a car wreck.
Another great reason to purchase a medical payments policy in connection with your automobile insurance policy is that med pay benefits is really affordable. A $10,000.00 med pay benefits policy usually costs less than $10 per month. Get as much as you can afford.
If you have questions about you automobile insurance policy or what types of coverages you should purchase to protect you and your family in the event that you are involved in a car accident, call a car accident lawyer Sessions & Fleischman.