Is Medpay car accident coverage a good idea?



Car accident insurance coverage is often dictated by the laws of the state in which an individual resides. In Nevada, drivers are legally required to have at least $15,000 per person in coverage for bodily injury, $30,000 bodily for each accident and $10,000 in property damage. However, motorists can purchase additional insurance to increase their coverage. One kind of optional insurance that is widely available throughout the U.S. is known as Medical Payments Coverage, or Medpay. A Las Vegas car accident attorney knows that this coverage may help alleviate many of the immediate costs car accident victims often face.

What is Medpay?

Medpay is a secondary collision coverage that pays for necessary and reasonable medical expenses arising from a motorist’s involvement in a car accident. The coverage is not dependent on fault, and it covers all vehicle occupants individually up to the policy limit. These limits can range from $1,000 to $100,000 or more.

A Las Vegas car accident attorney may see many people every year who are hit financially with the costs of an accident, but are unable to fulfill those obligations. Unfortunately, settlements with the insurance company can require extensive negotiations, mediation or even trial. All of these processes take time, so accident victims may face medical bills they are unable to pay. Medpay can be used to supplement health insurance so that accident victims are not hit with high deductible and copays that they cannot afford. For those without health insurance, higher levels of Medpay coverage may be beneficial.

Who is covered?

According to The Nevada Division of Insurance, medpay may be used to cover the cost for treatment of injuries resulting from pedestrians who are struck by motor vehicles. It is also not vehicle-specific, meaning that no matter where or how a person is involved in a car accident, they have that coverage.

Coverage limitations

When medpay is used along with uninsured or underinsured motorist coverage on the same collision claim, the insurance company is often entitled to receive an offset for the amount of medpay they paid for medical expenses. Additionally, Medpay may only cover medical, dental, surgical, chiropractic treatments and funeral expenses. Other treatments, including physical therapy, occupational therapy, rehabilitation and psychiatric care are usually not covered.

Frequent accidents

In most cases, Medpay costs little compared to the thousands it can save accident victims. The Nevada Department of Transportation reports that Nevada is in the top 10 states for traffic accidents and injuries with over 51,000 accidents reported in 2010. With a population of only 2.6 million, Nevada residents are likely to be affected and require coverage at least once in their lives.

Those who would like to learn more about the benefits of Medpay should speak to a Las Vegas Car Accident Attorney.