By David L. Duff of Duff & Kronfeld, P.C. posted in About the Law on Friday, September 13, 2013.
If your automobile insurance policy contains “Medical Payments” coverage, then you are definitely one of the “smart ones.” This type of coverage is optional, and is frequently not included when you tell your agent that you want “full coverage” for your car. It is also relatively inexpensive, and should unquestionably be purchased by you.
Here’s how “Med-Pay” works:
Assume that you are injured while using your car, regardless of who, if anyone, may be at fault. You are seen and treated at the Emergency Room of your local hospital, to the tune of $1,000. Your health insurance may cover and pay 80% of these charges, leaving a $200 bill coming out of your own pocket.
If you had the good sense to buy med-pay coverage with your own automobile insurance, then that same $1,000 bill will also be paid in toto by your automobile insurance company. Thus, you get reimbursed the $200 that you had to pay – plus an additional $800!
The beauty of med-pay coverage is that it is completely separate and distinct from health insurance coverage. You are paying separate premiums for both your health insurance and your automobile insurance policies, and you are permitted by law to have the same medical bill paid under both policies. Your health insurance company has no legal entitlement to demand reimbursement of the amount that it paid.
If you have any questions about “medical payments” coverage, and how it may affect your situation, please call The Duff Law Firm at 703-591-7475 , and schedule a free telephone consultation with one of our attorneys.