If you are injured due to a car accident, you are likely to face high medical costs. While you may be aware of the car insurance coverages that help pay for your car's damages, you might not be aware that there are coverages that can help you pay your medical costs.
Personal Injury Protection Coverage (PIP)
Personal injury protection (PIP) also provides coverage for medical expenses as the result of an accident. However, PIP insurance covers more than Med Pay. Additional expense coverage includes physical and occupational therapy and rehabilitation costs, psychiatric expenses and other professional health services. PIP also offers insurance coverage for wages lost from work, other reasonable non-medical or work related losses and a death benefit.
You need to check your policy for the exact benefits included in your PIP plan. In some states, PIP coverage is mandatory. In other states, you must either accept or reject the coverage. You cannot be covered by both Med Pay and PIP insurance; you must select one of the two plans if you are interested in the protection.
Medical Payment Coverage (MedPay)
If you are involved in an accident, Medical Payment Coverage (MedPay) may cover your expenses for medical, surgical, dental and chiropractic treatments that are considered necessary and reasonable. Some of these services include ambulance transportation, hospitalization, X-rays, nursing care, prosthetics and funeral expenses. If you already have health insurance or HMO coverage, you may not need to add Med Pay coverage to your insurance.
Med Pay is not a substitute for regular health insurance; it covers you only in the event of an accident. Some companies offer $25,000 or more in Med Pay coverage.
Medical payments coverage, compared to PIP, is limited. It only covers medical costs and funeral expenses.
Typically, medical payments coverage will not pay for your lost wages or other items covered by personal injury protection coverage.
Call or contact the trusted Fort Worth Chiropractor and Pain Management doctors who provide expert advice and diagnosis for Injuries arising from Auto Accidents and Car Accident. Make an appointment or call us at 817-831-3388 to experience the difference our doctors make in healing your pain.