When Can I Use MedPay After a Car Accident?

Car accidents can be both physically and financially devastating. In the aftermath of an accident, medical expenses can quickly pile up, adding to the stress and burden of the situation. However, if you have Medical Payments Coverage, commonly known as MedPay, in your auto insurance policy, it can provide vital financial assistance. Here we will explore MedPay specifically in the context of our Missouri community.

What is MedPay exactly?

MedPay is an optional add-on to auto insurance policies in Missouri. This coverage is designed to assist with medical expenses resulting from injuries sustained in a car accident, regardless of fault. While Missouri law does not require drivers to carry MedPay coverage, it can provide valuable benefits in case of an accident.

MedPay coverage typically has a limit, such as $1,000, $5,000, or even higher, depending on the policy. It provides a source of immediate funds for medical treatment, regardless of whether health insurance or other types of coverage are available. This coverage applies to the policyholder and any passengers in the insured vehicle, as well as pedestrians or cyclists involved in the accident. This basic definition only scratches the surface of MedPay’s functionality to all Kansas City residents who have been involved in an accident.

FAQ about usingMedPay after a car accident

Our car accident clients often have a lot of questions about insurance, and especially about MedPay. So we wanted to address the ones we hear the most.

Question 1: When can I use MedPay coverage?

This aspect of the coverage is a big relief to those involved in an accident whether at fault or not. You can use MedPay coverage immediately after a car accident if you or your passengers sustain injuries that require medical attention. Unlike other types of insurance coverage, MedPay does not require you to establish fault or go through a lengthy claims process. Once you have sought medical treatment and incurred medical expenses, you can submit those bills to your insurance company for reimbursement up to the limits of your MedPay coverage, no questions asked.

Question 2: What does MedPay pay for?

MedPay coverage can help cover a wide range of medical expenses resulting from a car accident. These expenses may include but are not limited to:

• Hospital bills
• Ambulance fees
• Doctor visits
• Surgical procedures
• X-rays and diagnostic tests
• Prescription medications
• Physical therapy and rehabilitation
• Funeral expenses (in the event of a fatality)

It’s important to note that MedPay coverage may not cover all medical expenses. There may be limitations and exclusions outlined in your policy. Additionally, MedPay typically only covers reasonable and necessary medical expenses related to the accident. Cosmetic treatments or elective procedures may not be covered under your MedPay agreement.

Question 3: Who can use MedPay coverage?

MedPay coverage can extend to all individuals involved in a car accident. The primary policyholder and their household members can utilize this coverage, regardless of whether they were driving the insured vehicle at the time of the accident. Additionally, passengers in the insured vehicle can benefit from MedPay coverage.

Question 4: Can MedPay cover uninsured individuals who were involved in the accident as well?

Amazingly, yes, it can. If the injured party does not have health insurance or sufficient coverage to pay for their medical expenses, MedPay may also extend its benefits to pedestrians or cyclists injured by an insured vehicle.

This discussion of MedPay and all it offers is useful to gain a general understanding, but it is worth further exploration with a professional. It’s important to review your specific policy language to understand the scope of coverage and any limitations or exclusions that may apply. Different insurance companies may have varying terms and conditions regarding who is eligible to use MedPay coverage. To navigate these complexities speak with your insurance company or a trusted personal injury attorney who has seen these benefits, in action, for their clients. If you would like a free review of your policy benefits, give us a call!

All in all, MedPay coverage in Missouri can be a valuable safety net that covers medical expenses after a car accident, regardless of fault. It provides immediate reimbursement for bills up to policy limits and has versatile use cases. Not only is it available to the policyholder themselves, but also household members, passengers, pedestrians and cyclists injured by a vehicle insured with MedPay coverage. MedPay offers peace of mind to its policyholders and is worth the conversation with your insurer.

Why should I contact a lawyer if I have recently been in a car accident?

If you have been involved in a car accident in Kansas City or anywhere in Missouri, there are generally more details than just the insurance negotiation that need to be sorted out. Contact the trusted team at Kansas City Accident Injury Attorneys for dedicated representation. MedPay covers a specific limit of medical expenses, but if you are the victim in a car accident you may be eligible for more coverage from your insurer. Have our experienced personal injury attorneys negotiate with your insurer to ensure you get the coverage you agreed to.

If you choose to file a claim against the liable driver in a car accident we will represent you to put your mind at ease through this stressful time, in the aftermath of your accident. From gathering evidence, to negotiating a settlement and if necessary representing you in court, our team is ready to help. Discover why we were voted Kansas City’s favorite law firm for yourself and find peace of mind with our team’s tenacious representation. Call or contact Kansas City Accident Injury Attorneys today at any of our convenient locations in Kansas City, Lee’s Summit, Parkville and St. Joseph, Missouri. We also have offices in Olathe, Kansas City and Overland Park, Kansas.