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What is "medical payments coverage" on car insurance in the event of an Indianapolis accident?
A: Medical payments coverage is an optional form of no-fault insurance coverage that can be appended to your standard car insurance policy. In the event of an Indianapolis accident, this additional coverage will cover a certain dollar amount of your medical bills and expenses, no matter who is liable for the accident. If you were injured in an accident that was someone else's fault, learn more about your options for compensation by speaking with an accident lawyer at our Indianapolis law offices.
When you are injured in an Indianapolis accident that was the result of another's negligence, the insurance company of the at-fault party rarely will pay medical expenses as they are incurred. Instead, you will be paid when your settlement has been awarded, or in the case of a jury award. The insurance company has no incentive to pay your bills when they are due, so medical payments coverage serves to pay those bills in a timely manner.
Most medical payment plans cover between $1,000 and $10,000 and apply to you as well as anyone who was riding in your vehicle and was injured in the accident.
Even if you have health insurance, it is advisable to submit your bills to your medical payments coverage provider first. Many health insurance providers, including Medicare and Medicaid, demand to be reimbursed from your settlement or jury award, but medical payments coverage does not get reimbursed, so by using that coverage first, you keep more of the settlement amount. Medical payments coverage can even be used to cover co-pay fees.
The going rate of medical payments coverage is relatively inexpensive. For $5,000 in coverage, the average cost of medical payments coverage is approximately $0.16 per day.
A Helping Hand from Our Indianapolis Law Offices
When you have complications after you've been in an Indianapolis accident, an injury lawyer can help you to alleviate some of the stress and anxiety associated with filing a claim. In order to get back on track with your personal injury claim, order a copy of our FREE book, Consumer's Guide for Injured Victims, and then contact the Hensley Legal Group Indianapolis law offices for a no-cost consultation - 1-888-505-8232.
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Main Office - Indianapolis
350 E New York Street Suite 300
Indianapolis, IN 46204
Phone: (317) 472-3333
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7863 Broadway Suite 234
Merrillville, IN 46410
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Contact Firm
Main Office - Indianapolis
350 E New York Street Suite 300
Indianapolis, IN 46204
Phone: (317) 472-3333
Fax: (317) 472-3340
Toll Free: (888) 505-8232
Merrillville Office
7863 Broadway Suite 234
Merrillville, IN 46410
