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What is Medical Payments Coverage?

Medical payments coverage is an optional form of no-fault insurance coverage that can be appended to your standard car insurance policy. In the event of an Indiana car accident, this additional coverage will cover a certain dollar amount of your medical bills and expenses, no matter who is liable for the accident. If you were injured in an accident that was someone else’s fault, learn more about your options for compensation by speaking with an Indianapolis car accident attorney.

When you are injured in an Indiana car accident that was the result of another’s negligence, the insurance company of the at-fault party will rarely pay medical expenses as they are incurred. Instead, you will be paid when your settlement has been awarded, or in the case of a jury award. The insurance company has no incentive to pay your bills when they are due, so medical payments coverage serves to pay those bills in a timely manner.

Most medical payment plans cover between $1,000 and $10,000 and apply to you as well as anyone who was riding in your vehicle and was injured in the accident.

Even if you have health insurance, it is advisable to submit your bills to your medical payments coverage provider first. Many health insurance providers, including Medicare and Medicaid, demand to be reimbursed from your settlement or jury award, but medical payments coverage does not get reimbursed, so by using that coverage first, you keep more of the settlement amount. Medical payments coverage can even be used to cover co-pay fees.

The going rate of medical payments coverage is relatively inexpensive. For $5,000 in coverage, the average cost of medical payments coverage is approximately $0.16 per day.

Help from an Indiana Car Accident Attorney

When you have complications after you’ve been in an Indiana car accident, an Indianapolis car accident lawyer can help you to alleviate some of the stress and anxiety associated with filing a claim. In order to get back on track with your car accident claim, download a copy of our FREE book, Consumer’s Guide for Injured Victimsand then contact Hensley Legal Group for a no-cost consultation.