Med Pay or medical payment coverage is a type of insurance you can purchase.  Med Pay is no-fault coverage meaning it does not matter whether the accident is your fault or someone else’s fault.  It will cover you or any passenger in your vehicle if there is a motor vehicle collision.  This means that if you cause an accident, it will pay for you to go to the doctor to seek medical care.  If you are injured in an accident, it will pay for your medical care and treatment.  I recommend this type of coverage for several reasons.  One, it allows you to go to the doctor immediately and get treatment.  Two, it may be able to increase substantially the amount of money you receive in a bodily injury case because your medical bills would already be paid by your medical payment coverage.  Med Pay is typically only entitled to reimbursement if you’re “made whole.”  If you have Med Pay and you need an expensive test, you are more likely to get that test because you’re not worried about having to pay out-of-pocket in cash.  We always recommend Med Pay to our clients just as a safety measure.  Med Pay is essential if you do not have health insurance.
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