California Med Pay Auto Accident Insurance
How Med Pay Could Cover Your Medical Bills After an Accident
Medical Pay Auto Insurance
At West Coast Trial Lawyers, we understand that it can be difficult to determine the appropriate type of auto insurance coverage that is most suitable for your vehicle. Since there are various types of coverages with numerous deductible amounts available, this may cause the consumer to feel overwhelmed. They may or may not purchase the coverage that would be most beneficial to them.
Types of Insurance
Coverage that is legally required isn’t necessarily the same in every state. It’s important for drivers to confirm the legality of their insurance, as well as the amounts of insurance coverage they are purchasing. Coverage options include the following:
- Collision Coverage – applies to any damages related to your vehicle crashing into another object, such as a building, vehicle, or even a fire hydrant. You have the option to select your deductible for coverage relating to these types of incidents. However, if you are leasing a vehicle, then there is a chance they might make the deductible around $500 or $1,000.
- Comprehensive Coverage – covers for a stolen or damaged car that was not involved in an accident. Examples include natural disasters, hail, floods, and fire. Vandalism may also apply. You are permitted to select your deductible for comprehensive coverage.
- Liability Coverage – California requires drivers to have liability coverage. There are two sections to liability which include bodily injury and property damage. Bodily injury is primarily used to pay for expenses that are related to injuries or death if you were the one that caused the accident. Property damage will pay for the expenses if you are at-fault for damaging the other individual(s) property.
- Uninsured/Underinsured Motorist Coverage- this applies to those who get into a car accident with someone who does not have insurance or does not have a significant amount of coverage. The insurance company will provide you with compensation to cover for damages and injuries. If you do not want to purchase this type of insurance, then you will be required to sign a waiver which indicates your refusal to accept coverage offered by the company.
- Uninsured Motorist Bodily Injury (UMBI) primarily pays for the injuries you and any other individual in the car suffered due to an uninsured driver who is at-fault for the accident.
- Underinsured Motorist (UIM) helps cover the expenses for bodily injury if you are involved in an accident with an individual who does not have the appropriate amount of insurance to pay the damages.
- Uninsured Motorist Property Damage (UMPD) covers any damages your car sustained from a car accident with an at-fault and uninsured driver. The limit is $3,500. This coverage will only apply once the uninsured driver is identified. You do not need this if you already have collision coverage.
Medical Payment Coverage
This coverage primarily offers compensation for medical expenses for you and any other individual who was also in your vehicle. You will receive immediate medical care regardless of who is at-fault for the accident. The minimum limit you are permitted to purchase is $1,000 for each person that suffered an injury. You are allowed to request higher limits of coverage.
Importance of Medical Care Coverage
Medical Care Coverage has the capability of covering a wide variety of costs including:
- Injury treatment for you and others involved in an accident that require medical assistance
- Funeral costs
- Pedestrian or bicyclist accidents
- Dental care for those who sustained injuries from a car accident
To have access to medical pay, symptoms after a collision must be noticeable within the first few days after the collision took place. An example could be back pain experienced soon after being involved in a car accident. This would typically not be an allowable expense under medical pay from your auto insurance.
Should I Get Medical Pay Coverage?
Consider the following factors to get an idea on whether or not you think it is essential to get this type of coverage:
- Health Insurance Coverage – you should confirm with your health insurance company to see if they provide medical care coverage for car accidents. If there is an offer, you should take your existing health insurance coverage into consideration to determine whether you believe it is worth paying for additional coverage. If you happen to find that your health insurance does not have beneficial coverage for vehicle collision injuries, it might be wise to pay for medical pay coverage on your auto insurance.
- Cost of Medical Pay Coverage – request quotes with and without including medical pay coverage to get an idea of the additional costs to your auto insurance policy. Take note that the cost for medical pay will vary depending on:
- Marital Status
- Driving Record
- Previous Claims
- Personal Injury Protection Coverage – this is similar to medical pay coverage when it comes to paying for injuries that are caused by an accident. It differentiates itself from medical pay by providing for loss-of-income payments while medical pay does not. No-fault states make it a requirement for individuals to have this coverage. California is an at-fault state, which is why it does not require this type of coverage.
Check with your insurance company for additional information regarding your decision on purchasing medical pay coverage.
West Coast Trial Lawyers Is Here to Help
Our personal injury attorneys will not charge you for a consultation. Our clients are represented on a contingency fee basis. If we do not win, you owe us nothing. There is no financial risk to prevent you from reaching out. Our qualified personal injury lawyers are highly-trained and have extensive experience with cases that are similar to yours. We are committed to helping you resolve your legal issues as quickly as possible while receiving the best results.
Read More About Car Accidents
Our excellent team of car accident attorneys have created several resources for you to read through. Feel free to browse these topics and read the ones you would like to learn about more.
- 7 Crucial Steps To Take After a Car Accident
- Car Accident Victim Compensation
- Uninsured Car Accidents
- How a Car Accident Attorney Can Help
- Accidents and Injuries by Aggressive Drivers
- Accidents and Injuries by Distracted Drivers
- Accidents and Injuries by Drowsy Driving
- Accidents and Injuries by Impaired Drivers
- Accidents and Injuries by Drunk Drivers
- Accidents and Injuries by Inexperienced Drivers
- Accidents and Injuries From Speeding
- Head on Collision Considerations
- Multi Car Collision Considerations
- Rear End Collision Considerations
- Side Impact Collisions
- Car Accident Injury Types
- What to Do After a Hit and Run Collision
- Comparative Negligence – Seat Belt Law in California
- Common Types of Car Accident Injuries
- DUI in California
- Multi-Car Collision
- How to Determine Fault in a Car Accident
- 50/50 at Fault Car Accident
- Car Accident – No Police, No Insurance
- How Can I Stop My Insurance From Increasing
- Whether to File an Auto Insurance Claim or Not
- Compensation for Lost Wage From a Car Accident
- Car Accident Recovery Tips
- No Fault Car Accident
- Legal Guide to Own a Classic or Custom Car in California
- Poor Road Maintenance – Can I sue the City for My Car Accident?
- Los Angeles Traffic, Accidents, and Safety Tips
- Car Accidents While Driving a Rental Car
- Who Pays Medical Bills After a Car Accident
- Car Accident Property Damage Settlement Guide
- Loss of Consortium
- Car Insurance Law for New California Residents
- Med Pay Auto Insurance
- Filing a Car Insurance Claim in CA
- California Sees Speeding Double Due to Coronavirus: It’s Impact on Insurance
- Can I Change My Car Accident Lawyer?
- Should I Hire a Lawyer for a Minor Car Accident?
- Why Do I Need a Lawyer After a Car Accident?
- Single Vehicle Collisions
- Most Common Types of Serious Auto Accidents
- California Car Accident Statistics
- Rollover Accidents
- Drag Races in California Road During Coronavirus
- Weather Conditions and Car Accidents
- What Happens If I’m Injured in an Accident While Visiting California?
- Psychological Injuries After a Car Accident