Do I Need Medical Payments Coverage for My Passengers?

Medical Payments Coverage: Also called Med Pay

Med Pay is a colloquial term for “Medical Payments Provision”, which is a separate provision in an insurance policy available to vehicle owners. It is a provision that covers the medical payments of the driver and all the passengers inside your vehicle if they are injured in a car accident, regardless of who is at-fault. Keep in mind that Med Pay is NOT health insurance. It only covers medical payments incurred as a result of car accidents. The difference is that Med Pay covers your and your passenger’s medical bills as well.

It is highly recommended to purchase medical payments coverage, which helps protect you and your passengers in your vehicle. Continue below to learn more about Med Pay, including additional recommendations regarding personal injuries.

Indiana Car and Truck Accident Lawyers 317-881-2700
Indiana Car and Truck Accident Lawyers 317-881-2700

Med Pay can be purchased when you obtain coverage for your automobile and can usually range from $1,000 to $100,000. But it is important to know that Med Pay is based per vehicle. So, if you have two vehicles, you will need to purchase med pay coverage for each vehicle so you are covered while driving each vehicle. It is also important to understand that this does not include any other economic or non-economic losses, such as pain and suffering, lost wages, loss of limb, permanent disfigurement, prolonged physical therapy, and more. If you wish to have these covered as well, you’ll need to look into Personal Injury Protection, or more commonly known as “PIP” (depending on the State you live in if available).

Personal Injury Protection (PIP)

If you are concerned about coverage for additional losses and damages, like the ones mentioned above, then you would need to consider a different type of coverage instead of a medical payments plan. One option is Personal Injury Protection, or PIP. This coverage is more comprehensive compared to Med Pay. Not only does it cover injuries and losses incurred as a result of a car accident, it goes above and beyond, covering more specific economic or non-economic losses. For instance, PIP will help with hospital bills, medical expenses, loss wages, mortgage payments, and more. It is more expensive than Med Pay, but not by much. And you do not need to have both PIP and Med Pay insurance.

The Esteemed Indiana Car Accident Attorneys Who Can Recover the Compensation You Deserve

Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to schedule a free initial consultation with a licensed car accident injury attorney in Indianapolis, Indiana. Seasoned personal injury lawyers, Daniel Craven, Ralph Hoover, and Keith Blazek can help you recover the full and fair compensation you deserve after being seriously injured in a car accident. We offer free initial consultations and never collect attorney fees unless we obtain a settlement for you. We represent injured persons throughout the State of Indiana. Contact us to get started in your financial recovery, today.

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