Medical Payments

Medical payments coverage, sometimes known as MedPay, is basically a part of your auto insurance, which covers injuries or damages that you, your passengers or even yourself get from an auto accident. And MedPay actually covers you irrespective of whether you are hurt in an automobile accident, while driving a motor bike, on foot, in an ambulance or from a boat. The insurance also pays for any damages to property as a result of any kind of accident with or without fault, provided you were at fault.

If you are an owner of a business and happen to be at fault in an automobile accident, medical payments cover you in case you are seriously injured and require hospitalization. You may also be eligible for compensation in the form of medical expenses, if the person you were in the automobile with is hurt and needs surgery, treatment or has to miss work because of injuries sustained in the accident. You might also be interested to read MyMedicalPayments account.

The What If’s

In the event that you are the sole breadwinner in your family and suffer injuries while operating a motor vehicle, medical payments coverage provides you with financial assistance when you are not able to earn a decent living due to your injuries and medical expenses that are incurred due to your injuries. However, you should be aware that your medical payments coverage will only compensate you for those injuries and not for any other damage that was inflicted on you in the accident.

How Can It Benefit You?

Medical Payments also provide you with a host of benefits. First of all, it will reimburse you for medical expenses you incur, irrespective of whether they are from accident or from work-related injuries or illnesses. Apart from this, it will also pay your lost wages and salary and can also provide you with medical expenses coverage for the time you need to recuperate from your injuries or surgeries.

In some cases, your medical bill payments can also be reimbursed if your vehicle is damaged due to fire or flood or vandalism. This is usually the case if the damage was caused by a third party.

For those who are involved in accidents, medical payments also provide you with legal representation. This can either be to the driver of the other car or to a personal injury attorney who will help you get compensation for damages done to you and your property due to the other driver’s negligence. Also check devdiscussions.