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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Discussing Personal Injury Protection (PIP)

Personal Injury Lawyers 317-881-2700

Personal Injury Lawyers 317-881-2700

In the past weeks, we have discussed several facets of personal medical insurance coverage and liabilities, including medical payments coverage, personal umbrella policies, and personal injury protection. We mentioned that Indiana is a tort state, so additional insurance policies like the aforesaid are not mandatory by law. Nonetheless, they are wise insurance policies to purchase. Continue reading to learn more about personal injury protection (PIP) and how it relates to auto accident insurance coverage.

PIP Insurance

Personal injury protection insurance is a type of medical payments coverage for drivers and passengers who are injured in a motor vehicle accident. Under this policy, all or a portion of medical expenses and hospital bills (driver and passengers) are paid for no matter who is to blame for an auto accident. No-fault accident states require this type of insurance coverage, but Indiana is not a no-fault state, it is a tort state. For this reason, Hoosiers are not obligated by law to obtain PIP coverage to legally operate a vehicle.

Although most Indiana auto insurance policies have a degree of medical expense coverage, and some medical insurance policies cover auto accident injuries, many drivers can benefit from additional coverage by purchasing a PIP plan. If medical expenses exceed insurance coverage limits, a person must pay out-of-pocket for the remaining bill. With a PIP plan, these superlative expenses are covered for both the driver and their passengers.

PIP plans can vary in deductibles, pay limits, and coverage. Depending on the state you live in and the type of coverage you choose, your policies details may vary from another’s. Personal injury protection insurance can cover medical and hospital bills, disability benefits, lost wages, and in some cases, even death benefits. Call your medical insurance carrier to inquire more about PIP coverage options in your state.

If you were recently injured in a motor vehicle accident that was no fault of your own, contact a car accident attorney for information about your legal rights. You may be entitled to certain compensation for your damages and losses.

Craven, Hoover, and Blazek P.C.

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Personal Injury Lawyers Indianapolis, Indiana 317-881-2700

Call Craven, Hoover, and Blazek P.C. at 317-881-2700 for information about car accident injury claims in Indianapolis, Indiana. Personal injury attorneys Daniel Craven, Ralph Hoover, and Keith Blazek are happy to answer your questions about filing a car accident injury claim in Indiana. We offer free initial consultations and never collect lawyer fees unless we prevail for you. Call 317-881-2700 to schedule a consultation with a licensed car accident injury attorney at Craven, Hoover, and Blazek P.C. today.