Medical Payment Auto Insurance Coverage

The next time you receive a policy renewal from your automobile insurance company, take a look at the Declarations Page (coverage break-down) to determine the amount of “Medical Payments” coverage you carry. Unless otherwise requested, most auto insurance companies in Indiana, automatically quote medical-payment limits of liability coverage in the amount of $5,000 each person. If you or a family member, have never had to use this important benefit due to a traumatic injury from an auto accident, chances are you may not have given much consideration to the amount of med-pay coverage you should have.

What is med-pay insurance?

Medical-payment insurance exists for the benefit of the policyholder(s) injured in an auto accident. This coverage insures the automobile insurance company will make timely payments to the medical provider(s) for hospitals, medical treatment, physical therapy, and reimburse out-of-pocket medical costs including prescriptions, co-pays and other medically-necessary incidentals resulting from an accident.

How much medical payment insurance should I buy?

Most major health insurance policies today put forth high annual deductible plans. A good rule of thumb is to look at the deductible of your health insurance. How much of your family’s deductible could you affordably self-insure if you were seriously injured in an auto accident? Medical payment coverage of $5,000 may cover only half of the medical bills for someone with a $10,000 deductible health plan. Would you be comfortable withdrawing $5,000 from your savings or investments to make those medical payment arrangements which could have been easily avoided by doubling your med-pay auto insurance for just a few pennies a day?

It takes time to resolve a legal action. In the mean time, hospital and medical creditors require payment.  You can avoid the financial and medical hardship created by callous collection agents, whom  it seems (tongue in cheek) lock your phone number on their speed dial — by properly assessing your financial needs. The next time you have a moment, review your coverage. If you need clarification, get the answers you need from your agent or call a personal injury lawyer in Indianapolis, IN from Ward & Ward Law Firm at 317-639-9501 for an in depth explanation of your auto insurance coverage. Then determine how much medical payment coverage is right for you.

Talk to an Expert

Talk to an Expert

Ethan Kern
Ethan Kern
2024-08-05
Ward & Ward are consistently thorough and professional in product, as well as genuinely pleasant to work with as people.
 
Davis Edward
Davis Edward
2024-08-05
Charlie and his team were outstanding. They truly seek to educate not just provide answers to questions. I felt like he and his team really cared about my needs and were sincere about the information that they provide. The time that he took spending with me made me feel comfortable and appreciated, not just an appointment spot on his calendar.
 
Kevin Janowicz
Kevin Janowicz
2024-08-05
I was referred to Charlie Ward by a close friend of mine. I found Charlie and his administrative assistant quick to respond, professional and personable.

Although his main practice is geared towards "personal injury'" cases, he assisted me in establishing a Will and related legal documents at a very reasonable cost based on his belief that he views this as a type of public service, and that these documents are important for everyone to have.

While we were signing off on documents in the office. he provided some additional advice around insurance coverage based on his experience working with other clients.

The short of it: I would recommend Charlie to any of my friends or family.
 
Phyllis Dennis
Phyllis Dennis
2024-07-31
I'm a retired Army Veteran who met Charlie Ward through my parents. He was their lifelong attorney and family friend until their death's. When I retired, I need an attorney to handle all of my affairs, and my mother said it would be the Ward & Ward Personal Injury Lawyers. I wanted to get all my death paperwork in order and Charlie Wards firm helped me handle those affairs. The firm treats my family to which is my sister, nieces and nephews with the utmost respect and as a part of their family. He makes sure he calls us every year on our birthdays and send Christmas Cards. He makes himself available when we need him. Love him to death and you will too.
 
Carolyn Jacobs
Carolyn Jacobs
2024-07-17
He is the best in the world--appreciate your help and your kindness.
 
Sincere Mendoza
Sincere Mendoza
2024-07-10
Outstanding customer service! Although this firm couldn’t help me with my issue. I so appreciate the attorney giving me a call back. I can see why this firm has 5 stars! My initial conversation from the receptionist to the attorney providing me with resources was just outstanding. Thank you attorney! Muriel C. Mayes
 
Shirley
Shirley
2024-05-15
Very professional Services!!!!
 
Maureen May
Maureen May
2024-05-03
I have know Don Ward for 60 years and his son Charlie for 35 years. Their service, integrity and honest representation are nothing less than stellar
 
Tammy Green
Tammy Green
2024-05-03
Charlie and his team were extremely knowledgeable, helpful and responsive. He provided guidance, answered all my questions and perhaps most importantly, made me feel comfortable through the process. With Charlie’s extensive experience in law, he asked thought provoking questions that highlighted other options to consider. He, and Dina, were so easy to work with and provided the BEST service. Highly recommend!!!!!
 
Robert Baldonado
Robert Baldonado
2024-05-02
Ward and Ward was great help with all my family’s “Lawyer” related needs