Should You Buy Med Pay Coverage?

Med pay, short for medical payment insurance coverage, is a supplemental auto insurance coverage offered in Florida that can be purchased for an additional fee. In general, med pay covers medical bills that your auto insurance policy may not cover.

Med Pay usually supplements your Personal Injury Protection (PIP) coverage that pays 80 percent of your medical bills. Med Pay will cover the outstanding 20 percent for medical costs that PIP does not cover. Med Pay does not cover lost wages like PIP coverage does. However, Med Pay can be used to pay for medical costs up to the coverage limits so that there is more PIP coverage available to compensate for lost wages. Med Pay can also help those who do not have health insurance as it provides additional assistance in covering medical bills acquired from an auto accident.

It is a smart decision to look into purchasing Medical Payments Coverage when purchasing or renewing an auto insurance policy. Med Pay is a very affordable coverage that can prove helpful when you are a victim of someone else’s negligence and left suffering with severe personal injuries and hefty medical bills. The cost of Med Pay depends on the amount of coverage you wish to purchase, but can usually be added for around $50 a policy period.

For more information about adding Med Pay, check your policy and talk with your insurance provider. If you have suffered an injury in Inverness, Crystal River or elsewhere in Citrus County, our Citrus County Injury Attorneys at Whittel & Melton can help you establish if Med Pay coverage is available to you and how it could influence your claim. For a free evaluation of your case, contact the Citrus County Auto Accident Attorneys at Whittel & Melton online or call 352-726-0078.