Medical Payment Coverage: What Is It? (Part 2)
If you are injured in a Wisconsin car accident, medical bills can begin piling up immediately. Emergency room treatment, ambulance transportation, X-rays, MRIs, physical therapy, doctor appointments, and other medical care can quickly become expensive.
That is why medical payment coverage, commonly called Med Pay, is one of the most important coverages you can have on your Wisconsin auto insurance policy.
At Buss Law, LLC, a Milwaukee personal injury lawyer can help injured accident victims understand the insurance coverage available to them and pursue the compensation they deserve.
What Is Medical Payment Coverage?
Medical payment coverage is insurance that can help pay for medical expenses resulting from injuries sustained in an automobile accident. Importantly, Med Pay may be available regardless of who caused the accident.
For example, if you are injured in a Milwaukee car accident caused by another driver, your own medical payment coverage may help pay accident-related medical expenses while your personal injury claim is being investigated and negotiated.
Depending on your policy and circumstances, Med Pay may help with expenses such as:
Emergency room treatment
Ambulance bills
Hospital expenses
Diagnostic testing and imaging
Doctor appointments
Physical therapy
Chiropractic treatment
Other accident-related medical care
Why Wisconsin Drivers Should Have Med Pay
A Wisconsin car accident claim can take time to resolve. Insurance companies may investigate liability, review medical records, evaluate your injuries, and negotiate the value of your claim before a settlement is reached.
Meanwhile, your medical bills do not necessarily stop.
Medical payment coverage can provide an important source of insurance protection during this process. It may help pay accident-related medical expenses without requiring you to wait until your entire personal injury claim is resolved.
Med Pay can also be particularly valuable when your health insurance has deductibles, copays, exclusions, or other limitations.
How Much Medical Payment Coverage Should You Carry?
Many Wisconsin drivers purchase only the amount of coverage they initially think they need. However, medical payment coverage is often relatively inexpensive compared with the potential cost of serious injuries.
Ask your insurance agent about increasing your Med Pay limits. Spending a little more on your insurance premium could provide substantially greater protection if you or your passengers are injured in a crash.
Injured in a Wisconsin Car Accident? Call a Milwaukee Personal Injury Lawyer
If you have been injured in a Wisconsin car accident, don't assume the at-fault driver's insurance company is the only source of coverage available to you. Your own automobile insurance policy may provide valuable benefits that you do not realize you have.
A knowledgeable Wisconsin car accident attorney can review your insurance coverage, investigate the accident, communicate with insurance companies, and help you pursue compensation for your injuries and losses.
At Buss Law, LLC, we represent injured people throughout Milwaukee and Wisconsin. If you have been injured in a car accident, motorcycle accident, or other personal injury accident, call Buss Law, LLC for a free consultation.
Before your next accident happens, review your auto insurance policy and ask about medical payment coverage. The right insurance coverage can make a significant difference when you need it most.
If you, or someone you know has been wrongfully injured, contact Buss Law, LLC today for a FREE consultation!
INJURED? “DON’T FUSS, CALL BUSS!”
(414) 246-1000
