When you are injured in an auto accident, a major concern is how you will pay for the medical or chiropractic treatment you need. Your best option is to carry MedPay on your auto policy.

You may wonder:

What is MedPay? MedPay (“medical payments coverage”) is an inexpensive benefit offered as an add-on to your regular car insurance. For just a few dollars each month, MedPay coverage assures you and your passengers access to immediate medical coverage with typically no out-of-pocket expense.

Can I use my regular health insurance to cover my medical expenses from an accident? You can, of course — but with “regular” health insurance is your personal responsibility for a copay/deductible, pre-authorization requirements and provider network restrictions. Not to mention, you will be exhausting already limited health insurance resources, which you may need later in the year. With MedPay, you choose which doctor to see and what treatment to receive.  MedPay covers all passengers in the car — some of whom may not have health insurance.

Will my automobile increase rates increase if I use MedPay? If you were not responsible for the accident, California Insurance Code §491 expressly prohibits any increase in your policy premiums. You cannot be penalized for using your MedPay benefits.

Why should my insurance pay if someone else caused the accident? Despite California law, people continue to drive without auto insurance. When someone else is responsible for the accident, you have no guarantee that that individual will be able to cover your medical expenses when the case settles months or years down the line.

Your focus after an accident is to recover as completely and quickly as possible.  You’ve paid the premiums for your MedPay coverage so that it can be used when the need arises.