Why do I need Medical Payments Coverage if I already have liability and health insurance?

You're Injured, Now What?

An update to keep you informed on personal injury situations.

Medical Payments coverage is not for everybody. If you feel comfortable with the amount of coverage that your personal health insurance provides then you may not feel the need to invest in medical payments coverage. But if you’re like me and enjoy the security of knowing that you have a secondary insurance policy to take care of your pesky left over medical bills, then Medical Payments Coverage (Med Pay) is the way to go. Med Pay is especially beneficial to those of us who have minimal health coverage, whether it be employer provided or a personal policy. Med Pay can even help pay for accident related expenses such as funeral expenses, injuries sustained by passengers, or even dental care as a result of a car accident. Personally, my favorite part of Med Pay is that it can cover injuries you sustain as a pedestrian or bicyclist after a car hits you. Obviously I don’t relish the idea of being hit by a car, but at least I’d be covered if I was! Just today I driving past a group of bicyclists and thinking about how dangerously (and annoyingly) close to by lane they were; I bet they had Med Pay. So, in conclusion, Med Pay is a great way to protect yourself and your family from the unforeseen happenings of life. Whether it’s minimal health insurance or absurd hospital bills, Med Pay’s got you covered. Remember sometimes life gives you lemons, and you have to make lemonade. Sometimes you get hit by a car, and you’ll really wish you had Med Pay.