Thursday, July 20, 2006
Drivers living in no-fault states are required to buy either Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage. PIP and MedPay cover the medical bills of you and the passengers in your vehicle after a crash, regardless of who's at fault. Having both MedPay and health insurance can be confusing for the policyholder. If you have MedPay as part of your auto insurance, filing a claim requires several steps. Your health care provider might want you to use MedPay first, if you were injured in an auto accident.
MedPay or PIP is designed for immediate and short-term care and is generally used first. Your health insurer might deny coverage, until you have exhausted any MedPay or PIP benefits. MedPay generally covers reasonable and necessary expenses for medical, surgical, dental, and chiropractic treatment. There are certain situations in which MedPay can be valuable, such as when you are driving with someone who is not in your family. MedPay covers everyone in the vehicle at the time of the accident, so your friends will have coverage, even if they do not have health insurance. MedPay can help offset the deductible that comes with PIP. If you have health insurance or belong to an HMO, you probably do not need MedPay.
posted by renaa
@ 6:35 PM
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