Medical Payments Coverage

South Dakota/Wyoming/Nebraska

Understanding Medical Payments Coverage

Optional medical payments coverage, often referred to as medpay or MPC, is insurance coverage on your policy or the vehicle’s policy you are a passenger in, that pays for reasonable and necessary medical treatment causally related to the collision, no matter who is at fault for the collision. This medical treatment can include EMT and ambulance bills, hospital visits, ER doctors, surgery, radiology, physical therapy, chiropractic care, and other types of medical treatment. In most states, including South Dakota, medical payments coverage is optional. In some states insurance carriers offer personal injury protection coverage, or PIP, which has more extensive benefits than medical payments coverage. Medical payments coverage comes in different dollar amounts to purchase, with $5,000 and $10,000 being common, although there are both lesser and greater dollar amounts which can be purchased.

If you are involved in a collision, make sure you know the applicable insurance coverages and options for payment of medical bills, including the use of available medical payments coverage.

Moore·Faust Injury Law Group will provide you, free of charge, a confidential consultation regarding the merits and value of your injury claim. This consultation is based on the specifics of your individual claim regardless of where you are in the claim process. During the consultation we allow and encourage you to ask any questions you may have regarding your claim.

Don't Go it Alone

If you or a loved one has been involved in an auto accident, you need the assistance of an auto accident lawyer if another driver caused the accident and you or your family member suffered injury or damage to your property. Insurance adjusters work for the insurance company and will attempt to save that insurance company as much money as possible.

Internal studies of the insurance companies studies have shown that when an accident victim is being assisted by an attorney, the average payout is approximately three times in comparison to when the accident victim attempts to represent him or herself.

Claims are Complex

The auto accident claims process is difficult, but an auto accident attorney will aid you in dealing with insurance adjusters in pursuing the full amount you are due. When filing your auto accident claim, you will need to prove that the other driver is liable for the damages you are suffering from. Also, proof must establish the nature and extent of your injuries, as well as the injuries were caused by the collision. Moreover, an auto accident attorney can further investigate the facts surrounding a claim, including getting testimony from witnesses, medical documentation and proving your injuries and lost income proof. Your auto accident attorney will properly file and pursue your insurance claim. An auto accident claim can involve many different aspects that you may not be familiar with, and an auto accident attorney will be able to help you.

No-Cost Review of Your Claim

For a free initial consultation, contact the injury attorneys at Moore·Faust Injury Law Group.

---