Included in most car insurance policies is a type of protection called Medical Payments, which is commonly referred to as MedPay. This is an often overlooked portion of the policy. It is designed to pay for out-of-pocket medical expenses incurred as a result of a car accident. The beauty of MedPay is that it is available regardless of liability. So, even if you are the driver that is responsible for an accident, you can still take advantage of the MedPay coverage. With the ever-increasing deductibles and co-pays associated with today's health insurance plans, MedPay is an important element of any automobile policy because it ensures that you will not be forced to pay for all the co-pays and deductibles that can really add up if you are injured in an automobile accident.
But, here's the problem – most people don't understand the importance of MedPay so they buy a policy with only $1,000 of MedPay coverage, or worse, no MedPay coverage. Then, when they get in an accident, the MedPay is quickly used up and they are stuck with the remainder of the outstanding medical bills. Compared to the other types of protection included in a car insurance policy – collision, liability, and property damage – MedPay is cheap. It only costs a few extra dollars per month to increase your limits to $10,000. That way, you should have more than enough coverage to take care of out-of-pocket medical expenses if you involved in an accident. Importantly, MedPay also covers all the passengers in your car. So, by increasing your limits you are not only protecting yourself but your passengers as well. MedPay can be used not only for co-pays and deductibles, but also prescription costs, and even gas and tolls to get to and from doctor's appointments.
We here at Mulvey, Cornell & Mulvey have been dealing with accident cases for over three decades and have experience with all types of personal injury cases. We understand how insurance policies work and will make sure our clients receive every benefit possible. If you have been injured in an accident, please contact us immediately to discuss your case. The initial consultation is absolutely free and we never collect a fee until we get you a recovery. Our offices are in Portsmouth, NH but we regularly represent clients in courts throughout New Hampshire including the Seacoast, the Lakes Region, Concord, Manchester, Dover, Rochester, Nashua, as well as Grafton, Coos, and Carroll counties.