Using your Medical Payment Policy for Auto Injury

Todd Lloyd
June 20, 2022

What is MedPay?

When you get into a car accident you are involved in a personal injury case. Personal injury cases often go through your own car insurance or the car insurance of the person who was at fault. A personal injury case does not have to be in a car accident, but they can also be an injury involved in and around your home or in the workplace. A workplace injury goes through Worker's Compensation.

If you are being smart and proactive about choosing a car insurance policy, you might have chosen to add an inexpensive add-on called medical payments coverage. Medical payments policy is also called "MedPay."

MedPay only applies towards medical expenses. There is another policy type called personal injury protection that covers more than just medical expenses, but in California we have MedPay. Med pay is usually limited, and many people choose to purchase about $5000 with the coverage but with the amount of coverage that you can get per dollar, it is a very inexpensive way to purchase health insurance that you can use in the event of an accident.

What does MedPay Cover?

MedPay follows whoever purchased the insurance and the car that it was purchased for so if you have MedPay, and you were involved in the accident, whoever was in your car at the time of the accident is covered by MedPay.

MedPay will cover any medical expenses that are associated with the accident. MedPay will cover your chiropractic care in for up to the policy limit. This is a great way to give you some peace of mind if you have been involved in a car accident, and you do not want to stress over all of the decisions and choices you have ahead of you.

It is well known that you should start chiropractic care as soon as possible after a car accident. Do you want to have a good thorough orthopedic and their logical checkup to assess your injuries, and to start a treatment plan as soon as possible. This allows you to heal with better function, and with fewer residual problems in the future. MedPay allows this. That's what it's there for.

Will using my MedPay raise my rates?

Using MedPay will not raise your rates if you were not at fault in the accident. The reason why you purchased MedPay protection on your policy is to use it in the event that you were involved in a car accident. You have been paying monthly payments toward MedPay and there comes a time when you need to use it. The time is now, after an accident.

You might be hesitant to use your MedPay if you were at fault in the accident. But if you were at fault in the accident, your rates may raise regardless. In this situation, it makes sense to use your med pay because the Insurance company will probably raise your rates no matter what you do. As this is coverage that you have been paying for it makes sense to start to use it when you need it.

But I'm not at fault, why should I use my own insurance?

Again, one of the benefits of having MedPay on your own car insurance is to be able to use it in the event that someone hit you and it wasn't your fault. Your car insurance company will pay for your medical bills as agreed through your MedPay policy, and when the case is finished, they will in turn recover their expenses from the insurance company of the person who was at fault.

Does take my MedPay?

Yes. This clinic is a chiropractic clinic, which means that we will accept your MedPay insurance, bill it, and provide treatment notes and a summary of the billing to your attorney or the insurance company if requested. If you have been involved in a car accident, and you are suffering from neck pain, or low back pain, or pain in the other part of the body that was caused by the accident, then you need to start using chiropractic care right away. Give our office a call we are available for a free consultation for those people who work in a car accident.

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