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What is medical payments coverage in a Virginia car insurance policy?

Medical Payments Insurance Coverage



This type of coverage is getting more important all the time. Medical payments coverage is this a small health insurance policy that will promptly pay a portion of your medical bills including co-pays and deductibles if you have been in full accident.

Remember that the person who caused the accident will ultimately be responsible for your medical bills but that claim could take years and so having medical payments coverage even if you have a health insurance policy is something that is generally worthwhile.

Reasons for having medical payments or "medpay" coverage:

  • to make sure doctors and other health care professionals get paid quickly
  • to make sure that you don't go deeply out of pocket while you are waiting to get your liability claim settled
  • your primary health insurance may be asking to be reimbursed if the accident is the fault of someone else. 90% of those policies require subrogation or reimbursement.
  • the person who hit you may have low insurance coverage, so every dollar you can get out of your own policies will help

If you want more information on car accident cases or personal injury, click on this link for a free chapter of Ben's book, The Five Deadly Sins That Can Wreck Your Injury Claim.

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