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What is Medical Payment Coverage?
Med-Pay (Medical Payments Coverage) is an optional add-on to your auto insurance policy that provides immediate payment for medical bills after an accident, regardless of who was at fault. This makes Med-Pay different from liability coverage, which requires proving the other driver caused the crash. Its purpose is to help accident victims pay:
Because Med-Pay pays quickly, it can prevent bills from going to collections and ensure you get the treatment you need. Med-Pay is not health insurance. It does not depend on fault, does not require deductibles or co-pays, and is strictly for accident-related medical expenses.
How Med-Pay Helps During a Personal Injury Claim
Personal injury cases can take months to resolve, and Med-Pay offers fast relief by paying bills upfront and reducing financial stress during your recovery.
But Med-Pay has one major complication many people don’t learn about until it’s too late: you may have to pay it back.
Understanding Med-Pay Reimbursement: Will You Have to Pay It Back?
One of the most confusing, yet most important, aspects of Med-Pay is reimbursement. Many accident victims believe Med-Pay is “free money,” only to later learn that their insurance company may demand repayment once a settlement is reached.
Most Med-Pay policies include a subrogation or right of reimbursement clause. This means that if your insurer pays your medical bills through Med-Pay, and you later receive a settlement or verdict from the at-fault party, the insurance company may require you to repay some or all of what it paid on your behalf.
In many cases, skilled legal negotiation can significantly reduce or even eliminate the reimbursement amount. This is crucial, because the more reimbursement claimed by the insurance company, the less money you receive in your final settlement. Our experienced personal injury lawyers will review your policy, challenge improper reimbursement claims, and work to protect every dollar of your settlement.
Why You Should Hire Our Office
We Communicate with the Insurance Companies for You.
Handling Med-Pay claims involves filing paperwork, submitting medical bills, responding to adjusters, and appealing improper denials. Our attorneys know how to push back when insurers delay, ignore, or refuse payment. We take over the entire process so you don’t have to deal with the hassle or frustration.
We Negotiate Reimbursement.
Our skilled lawyers negotiate to limit how much of your settlement the insurer can take back, thus protecting more of the recovery you deserve.
We Protect Every Dollar of Your Settlement.
Our personal injury attorneys ensure you don’t overpay the insurance company, that all liens are properly negotiated, and that every available dollar goes toward your final recovery. Our priority is maximizing your net settlement and ensuring that you can focus on your recovery.
We Reduce Your Stress So You Can Focus on Healing.
Managing Med-Pay, insurance forms, medical bills, and adjuster calls can be overwhelming, especially when you’re injured. Hiring an attorney lifts that burden. We handle the paperwork, the phone calls, and the negotiations so you can focus entirely on your treatment, your health, and your recovery.
Our personal injury team at Lardiere McNair & Stonebrook, Ltd., LPA stand ready to answer any questions you may have about your medical payment coverage policy and your rights in an injury case. In all of our injury litigation, our initial consultation is free and can be performed in person or virtually. To speak with one of our skilled attorney, give our office a call at (614) 534-1355!
Micah S. Fretz, Esq. is a law clerk at Lardiere McNair & Stonebrook, Ltd., LPA.
Disclaimers: Artificial intelligence is used as a tool to supplement, enhance, make suggestions, and generate blog language from the thoughts, ideas, and opinions of our human lawyers. The final product is reviewed and edited by an attorney.
The information presented here has been prepared by Lardiere McNair for promotional and informational purposes only and should not be considered legal advice. This information is not intended to provide, and receipt of it does not constitute legal advice. Nor does the receipt of this material create an attorney/client relationship. An attorney client relationship is not established until such time as Lardiere McNair enters into a written engagement agreement with a specific client for a specific legal matter.
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