The state of Indiana mandates all auto insurance policyholders carry liability coverage for at least the minimum policy limits. Beyond these minimum limits, optional coverages can be added to fortify your auto insurance policy. One of these policy add-ons is medical payment, or med-pay, coverage. Med-pay coverage is specifically for medical treatment payments following an accident. It can cover the costs of medical treatment for you and any covered passengers up to your medical payment coverage limits. It may also cover you if you are hit while bicycling or walking. Med-pay coverage is especially helpful for those without health insurance or whose health insurance requires substantial deductibles, co-pays, or other out of pocket costs. Health care providers can usually bill the auto insurance policy holding the med-pay coverage directly, meaning there will be less out of pocket costs for the injured party. Or, you may be able to submit receipts for medical bill payments for reimbursement. Sometimes, with more severe injuries, med-pay coverage will not be sufficient to cover all costs of your medical treatment after an accident. In such cases, once the med-pay benefits are exhausted, you can request your health care providers bill your health insurance directly, at which point your out of pocket costs may rise again.
If you have been in an accident, inquire with your auto insurance company as to whether you have med-pay coverage on your policy. Also, review your policy declarations page to find out what the terms and conditions are of your med-pay coverage. Coverage will vary with your specific insurer and policy. Some med-pay policies will have a right to be reimbursed once your claim is resolved, and some do not. Similarly, there may be restrictions on what expenses your med-pay coverage will cover and how it will pay out the benefits. A comprehensive auto insurance policy, which goes above and beyond the state mandated policy limits, can provide you extra protection in the event of an accident. Med-pay insurance coverage is one component of a comprehensive auto insurance policy that can be of great help to you following an accident, especially for those without good health insurance. If you have been in an accident and have med-pay coverage, consult with an experienced personal injury attorney to discuss how to get your medical bills paid while your claim is resolved.
At Blackburn & Green, we are dedicated to providing our community with compassionate and respectful personal injury counsel. We want every one of our clients to feel respected and listened to while they recover from their injuries. Blackburn & Green can help take the stress off of you by identifying all applicable insurance coverage available to you and helping you get your bills paid. We offer free initial consultations at one of our office locations or at your home or hospital room. Call (800) 444-1112 or (260) 422-4400 to be connected with one of our 25 convenient office locations across Indiana or fill out our online form to schedule a consultation. Contact Blackburn & Green for knowledgeable and caring legal counsel on your personal injury case today.