If you live in California and drive to work regularly, you know that traffic collisions can happen when you least expect them. With crashes claiming more than 4,000 lives in 2023, even the most careful drivers aren’t immune to the dangers on the road.
When you’ve been in a car accident, the last thing you need is added stress, especially when it comes to dealing with medical bills. Medical payments coverage, or MedPay, can be a lifesaver in those moments.
Be it a fender bender or a T-bone accident, you should get medical help and then talk to a car accident attorney in California. They can explain your rights and help you get the best possible compensation. But first, let’s learn about MedPay and how it fits into your personal injury coverage in California.
What is Medical Payments Coverage?
Medical Payments Coverage (MedPay) is an optional add-on to your auto insurance policy that helps pay for medical and funeral expenses after a car accident, regardless of who was at fault.
California is an “at-fault” state. That means the driver who caused the crash pays for the damages. But getting a payout from the other driver’s insurance can take time. They may fight your claim or delay paying; meanwhile, you’re left with bills.
MedPay fills that gap. It takes the financial headache out of getting prompt medical treatment, whether you’re in your own car, someone else’s vehicle, or even if you’re hit as a pedestrian or bicyclist.
Why Is Medical Payments Coverage Critical After a Car Crash?
Even the most basic auto insurance sometimes fails to cover all medical expenses, especially if the at-fault driver is uninsured or underinsured. But you can use medical payments coverage after a car accident.
It offers a few unique benefits:
1. Immediate Access to Funds
After an accident, time is of the essence. You can’t wait for the other at-fault party’s insurance to kick in. Medical bills can begin stacking up even before your case concludes.
MedPay allows you and your loved ones to get necessary treatment right away without worrying about your health insurer denying a claim just because the accident case isn’t resolved. With MedPay, you can focus on recovery, not financial stress.
2. Supplements Your Health Insurance:
Many health insurance policies have deductibles, copays, and restrictive coverage for accident-related injuries. MedPay is designed to supplement these costs, covering gaps or paying for services your health insurance might exclude.
3. No Hassle Claims
Unlike liability claims, MedPay claims are not based on who was at fault. This means the reimbursement process is often faster and less stressful, allowing you to avoid collection agencies and late fees on medical bills.
4. Covers a Range of Medical Expenses
From X-rays and physical therapy to ambulance trips, prosthetics, dental care, and more, MedPay is broader than most people assume. This makes it an excellent option for the thorough personal injury coverage every California driver needs.
How Much MedPay Should You Carry?
In California, the minimum medical payments coverage offered after a car accident is $1,000. But most drivers opt for higher limits, typically in the range of $10,000 to $100,000.
The basic coverage gets exhausted quickly with even a single emergency room visit. While higher limits increase your premium slightly, they can provide major relief after a serious collision.
It’s typically recommended to carry MedPay equivalent to your health insurance deductible. This will help you cover out-of-pocket expenses. So, when buying MedPay coverage, think about your potential needs and speak with your insurance agent to determine what’s the right limit for you.
Should You Still Consult a Car Accident Attorney in California?
The short answer is yes. Even with enough MedPay coverage, you can still recover damages from the at-fault driver. After you get the medical attention, speak with a skilled car accident attorney in California as soon as possible.
They can help you understand what your MedPay and health insurance cover. They can aggressively pursue the compensation you deserve from all responsible parties and help protect your rights.
Here’s how a car accident lawyer supports you after a crash:
- Investigates the Accident: Gathers and preserves crucial evidence, such as police reports, medical records, photos, witness statements, and more, to strengthen your claim.
- Handles Communications: Manages all conversations and negotiations with insurance companies, so you don’t have to deal with tactics aimed at reducing your compensation.
- Calculates Full Damages: Accurately estimates all your losses, including current and future medical expenses, lost wages, pain and suffering, and more.
- Negotiates Better Settlements: Works to secure the highest possible amount from both your insurer (via MedPay) and the at-fault driver’s policy.
- Represents You in Court: If settlement talks stall, your attorney can file a lawsuit and stand up for your rights at trial.
Every car crash is unique, so having the right car accident lawyer on your side can make all the difference in getting the desired compensation.
Don’t Wait for an Accident to Happen
Insurance is about protection and peace of mind. Adding MedPay to your auto insurance policy is a simple, cost-effective way to safeguard yourself and your loved ones if the unexpected occurs. And if you do get in a crash, speak with a car accident attorney in California immediately.
At JSM Injury Firm APC, we can help you recover the compensation you deserve. If you’ve been in an accident, speak with our team now. Call 949-696-6955 or contact us online for a free consultation.
