What Is “Medpay” Insurance?
What if you do not have medical insurance or, even if you do, you don't want to use it unless you must. Many times there is an option if your injuries are minor.
Medical payments insurance coverage ("Medpay") is a type of insurance coverage that someone elects to purchase with other insurance coverages, such as liability, bodily injury and property damage, usually included in an insurance policy. You can include Medpay coverage in your own insurance policies, whether for your home or automobile, just as anyone else. Usually the limits of MedPay coverage are low – $5,000.00 to $10,000.00. Depending on your insurance policy, you may be able to use the Medpay coverage you purchased for yourself if related to an accident.
In the case of a slip and fall or trip and fall accident or some other incident where you receive personal injuries on another person's property, there does not need to be fault shown by the owner. You only have to be injured on that person's property in order for the landowner's Medpay insurance coverage to be available for payment of your medical bills. Not all premises-related insurance policies have Medpay coverage included, so the specifics of the insurance policy need to be demanded. This does not mean, however, that the landowner's insurance company will be immediately agreeable to providing you with the medpay coverage. This is where your personal injury lawyer can be particularly helpful.
When there is an auto accident, truck accident or motorcycle accident, you can seek the use of available Medpay insurance coverage under your own insurance or that insurance tied to the car you were driving or a passenger depending on the facts surrounding the accident. Sometimes it is not always the best financial decision, and your personal injury attorney can assist in making your choices.
Insurance issues surrounding an accident are complicated. If you are not certain of what to do after an accident, the safest course is to consult with an Atlanta, Georgia accident injury attorney as soon as possible. Contact the Law Office Of Sidney Weinstein, 24/7, for a free accident and personal injury consultation by calling 404-522-3108. We can come to you at your home or any of the Atlanta, Georgia area hospitals including Grady Memorial Hospital and Atlanta Medical Center.