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Auto MedPay
Auto MedPay or Automobile Medical Payments Insurance Coverage covers medical expenses for you, your family, and your passengers when injured in an auto accident, regardless of who is at fault. MedPay also covers insured pedestrians if they are hurt by another vehicle while a pedestrian, even if they are nowhere near their insured vehicle.
Auto MedPay helps pay bills for doctors, hospitals, X-rays, ambulances, and surgeries. Furthermore, MedPay can help fill the financial drains caused by health insurance deductibles, and copays. Finally, MedPay usually covers funeral costs in fatal crashes.
Medical Payments Insurance does not reimburse lost wages or cover property damage.
Auto MedPay Coverage
Auto MedPay covers expenses arising from a car crash – even if an insured person is in an auto accident nowhere near the insureds’ vehicle. Specific medical expenses normally covered include:
- Medical Transport (EMT);
- Emergency Room Expenses;
- Radiology – X-rays / CT Scans / MRIs;
- Anesthesia;
- Surgeon fees;
- Medical facility / hospital fees;
- Prostheses;
- Doctor’s visits;
- Dental care required as a result of a car crash; and
- Funeral expenses after fatal car accidents.
Choosing Your Medical Payments Coverage Amount
Choosing Auto MedPay coverage amounts is unique to each individual or family. It should be based on your financial situation and health insurance coverage. And while MedPay coverage is not mandatory under Alaskan law – it should be. Many people have no MedPay or only $5,000. This is not enough. When purchasing Auto MedPay, consider higher limits, particularly if you frequently have passengers in your vehicle.
We recommend at least $100K of Auto MedPay insurance. It should cost around $8 to $12.50 per month or $50 to $75 every six months. This is cheap protection. People with sufficient MedPay avoid harassment by collection agencies after Motor Vehicle Accidents. More importantly, sufficient Auto MedPay insurance helps protect families from bankruptcy by medical bills. Choose the highest MedPay coverage limit you can fit into your budget – a minimal cost for tremendous peace of mind. Buy all you can afford.
MedPay Stacks – Injured In Someone Else’s Vehicle?
If you suffer injuries riding in someone else’s vehicle, ask if they have MedPay coverage. The vehicle owner’s MedPay coverage will help cover your related medical treatment. Your Auto MedPay also applies in addition to the occupied vehicle’s MedPay. Purchase Medical Payments Insurance Alaska – protect yourself, your family, your friends, your vehicle passengers, and your financial future. Auto MedPay covers medical expenses after an accident, regardless of who is at fault.
If you suffer injuries in an auto crash, discuss your claims with a personal injury attorney. Call Johnson Law to discuss your auto injury case and get a 100% free claim review: (907)277-3090 or use our online contact form.
This Auto MedPay Article is Part 4 of a 6-Part Winter Auto Insurance Review Series. Read these articles for information about Auto Liability Insurance, UM and UIM Insurance, Umbrella Coverage, and Personal Injury Auto Claims.
Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are.
And while we hope you never need us… We’re here if you do. ~ Doug Johnson
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