What is Medical Payment (Med Pay) Coverage?

Medical payment coverage (med pay) generally covers costs associated with medical expenses after a motor vehicle accident (covered loss).  Med pay will help pay for the insured’s medical treatment for accident related injuries regardless of who is at fault. Examples of expenses covered by med pay may include: doctor visits, hospital visits or stays, x-rays, surgery, ambulance fees and other similar expenses.  Also, med pay may also cover funeral expenses.

How do I know if I have medical payment coverage? This is a simple question that can be easily answered by reviewing your auto insurance policy and looking for a medical payment coverage provision.  In Alabama, med pay coverage is not required by law.   Ala. Code Sections 32-7-1, et seq. Review your policy language to determine whether occupants are entitled to med pay reimbursement after a covered loss.

If you have been injured in a car, truck, or motorcycle wreck you may be entitled to medical payment coverage and money damages.  For a confidential case evaluation, contact one of our car wreck attorneys.