Do you carry medical payments coverage as part of your automobile insurance policy?

Many individuals do not know the answer to this question. Medical payments coverage, often referred to as med-pay, reimburses vehicle occupants for medical bills relating to injuries sustained in an accident,  regardless of fault.   It usually comes with coverage limits in such amounts as $1,000, $5,000 or $10,000.    Med-pay will reimburse for reasonable and necessary medical expenses up to the coverage limit for each person in the vehicle.   For example, if there is applicable med-pay coverage and  you and a passenger are involved in an accident and incur medical bills, you may each submit those bills for reimbursement under the med-pay provision.    This is extremely helpful to those with no health insurance, or carry health insurance with a high deductibles.

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