MedPay can cover your copays, deductibles, and other out-of-pocket medical expenses your health insurance might not cover. If you routinely carpool or have passengers in your vehicle, it can be beneficial to have MedPay coverage if you are ever in an accident.
MedPay tends to have low coverage limits, so you might want to ask your insurance provider about increasing the coverage. However, this will come at an extra cost. One of our knowledgeable lawyers can review your case and all insurance policies that might apply to explain the coverage available. We can help file your claim and maximize your recovery. Contact us today for a free case review to learn more about your options.
Site by Consultwebs. Any unauthorized use is expressly prohibited. Get A Free Consultation. The difference between bodily injury and personal injury is where you might encounter each one in a legal context. Each type of case may present different standards for liability and proof.
The individual state where an accident takes place can have different implications for these terms. Bodily injury refers to specific kinds of harm done to the body after an incident, such as bruises, burns, cuts, fractured bones, and nerve damage. When someone carries bodily injury insurance, it covers the costs of the other person involved in the accident. For example, if you run a red light and strike a bicyclist, you may be held at fault for their injuries.
Depending on your policy, bodily injury insurance may include all or some of their losses. For example, in Florida, drivers are not required to carry insurance coverage for bodily injury liability BIL except vehicles registered as taxis. After an accident, you will first file for damages through your own insurance company, regardless of who caused the accident.
You may have additional costs that go beyond what your PIP policy can cover. Typically, it boils down to this: bodily liability insurance covers the damages of the other party if you were the cause of their accident.
PIP is for covering your own injuries and losses after an accident. Again, depending on where you live, different factors may affect these definitions. For a free legal consultation, call All states allow accident victims to pursue compensation from the liable party to cover the cost of their damages. To do this, you must prove that because of this otherwise avoidable situation, you have incurred expenses. It is important to have relevant evidence that supports your account of events.
To prepare for your claim, you will want to keep the following:. These claims may be covered by your PIP insurance or other coverage. Click to contact our personal injury lawyers today. Bodily injury is a liability policy, which means it pays for the medical expenses of other drivers and passengers if you cause a crash.
Depending on your state, this policy may also cover injuries to your passengers if you are the driver in an at-fault accident. However, some states exclude family members who live in your household, according to American Family Insurance. Every state establishes minimum liability limits. You can also buy extra liability insurance. If you have an at-fault accident and the medical costs exceed your policy limits, you will be responsible for the remainder and can be sued by the injured parties.
Auto insurance medical coverage, also called medical payment insurance or med pay, covers the cost of injuries after an accident even if you have fault in the crash. This policy pays the medical expenses of anyone in your vehicle at the time of an accident.
It also covers funeral expenses in the case of a fatal accident. If you live in a no-fault state, your insurer may also require personal injury protection PIP. While PIP coverage is similar to med pay, it can also be used to cover lost wages, long-term rehabilitation, mental health care needed after an accident, and all other relevant health care costs. While your health insurance will cover costs for you and your family if you have an auto accident, it does not cover your other passengers.
If you frequently drive a carpool or transport friends, it makes sense to have med pay. This type of insurance will cover:.
You can either add medical payments coverage to your health insurance policy or pay the out-of-pocket amount and receive reimbursement from your Med Pay policy. Value Penguin notes that the exact process depends on whether you live in a fault-based state for auto accidents as well as the provisions of your health insurance and auto insurance policies.
In some situations, your health insurance will serve as the primary coverage, while in other cases claims go to medical payments insurance first.
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