If you are injured in a car accident, you are likely concerned about how all of your medical expenses will be covered, especially if the other driver’s insurance is not enough to cover all of your losses. A car accident lawyer can help you obtain the financial compensation you are entitled to.

In some cases, the victim may have added MedPay coverage to their car insurance policy and this can help in covering those medical bills. If you have multiple vehicles, you may even be able to “stack” benefits, potentially doubling how much you can collect.

To learn more, call Shapiro, Washburn & Sharp today at 833-997-1774 for a free consultation to discuss your case and explore your legal options.

What Is MedPay?

Medical payment coverage is optional. This no-fault benefit is available through the majority of insurance carriers in Virginia. You can use the benefits to cover your medical expenses following an accident if you purchase the coverage. The coverage can be up to the policy limits purchased.

MedPay benefits can cover you and your family in the event of a crash. The best part is that by adding MedPay benefits to your auto insurance policy, you cover yourself and your family members in case of an accident while walking, riding a bike, or riding in someone else’s car. The MedPay coverage will foot the necessary expenses for medical care under the circumstances.

There are certain things covered by MedPay health benefits that traditional health insurance doesn’t. This includes chiropractic care and others. It provides the necessary funds for paying co-pays, deductibles, and coinsurance costs. MedPay benefits will prove to be helpful even if you have health insurance.

Why Should I Consider Adding MedPay to My Insurance Policy?

There are specific advantages to purchasing medical payments and car insurance coverage, such as:

Affordability

Purchasing this policy as an add-on to an existing car insurance policy is relatively affordable. The cost of MedPay coverage is also relatively reasonable, especially considering the cost of healthcare following an auto accident.

Fills Coverage Gaps

One of the primary benefits of obtaining MedPay coverage is to fill in the gaps in your coverage. Car insurance policies generally don’t cover injuries you sustain from an accident for which you are to blame. You may be unprotected if something happens because you made a calculated error or a mistake while driving. Fortunately, MedPay insurance can fill this gap to ensure you have insurance money to cover healthcare costs exceeding the coverage limits.

Supplement Health Insurance

MedPay benefits can cover things that traditional health insurance doesn’t. The policy add-on makes sense even when you have standard health insurance. For instance, dental care required because of an accident is generally not covered under conventional health policies. MedPay will cover that and also nursing care. It can be used to pay coinsurance costs and deductible expenses.

Protection for Your Family

MedPay policy will cover you and everyone else in your family. The policy will pay care bills if a loved one is injured in an accident, including bicycle and pedestrian accidents.

What Types of Expenses Does MedPay Cover?

MedPay add-on benefit will pay for treatment of all injuries sustained in an auto accident, pedestrian accident, or bike accident. Typically, coverage includes nursing care, ambulance fees, dental procedures, prosthetic devices, and surgeries, among other things.

It can also cover other items, such as:

  • Copays and deductibles for health insurance plan
  • Hospital stays
  • Doctor’s visits
  • Lab work
  • X-rays
  • Ambulance fees
  • Surgery

Why Should I Use My Insurance If the Other Driver Was At Fault?

MedPay coverage is a no-fault benefit, and filing a MedPay claim can help you quickly get the money you require. This is one of the major benefits of this add-on policy. MedPay benefits offer breathing room even if it is not substantial enough to cover the full extent of medical bills. Even if you have a strong injury claim, obtaining compensation can be long and contentious. You don’t need to prove fault to get MedPay compensation, making it quick and easy.

How Can Your Firm Help?

Selecting the right personal injury lawyer is crucial to the success of your case. At Shapiro, Washburn & Sharp, our motto is “All we do is injury law.” We only represent accident victims, never the at-fault party. Our personal injury attorneys are dedicated to obtaining the best possible outcome for our clients, as evidenced by the more than $100 million in settlements and verdicts we have obtained.

Call us at 833-997-1774 to schedule a free consultation, and let us help you get the compensation you deserve.