There is a lot of misinformation and confusion about two aspects of automobile insurance policy- MedPay and Uninsured Motorist coverage. These areas of coverage are absolutely critical to the safety and well being of your family.
First, uninsured motorist coverage protects you in an accident with a driver who does not have insurance. Unless you have uninsured motorist coverage, when someone without insurance hits you and you are injured, you are very unlikely to receive compensation for medical bills and you will receive none for lost wages or pain and suffering. Uninsured motorist coverage protects you and your family from those who fail to obey the law and have state- required automobile insurance. Also, it’s important to remember that YOUR insurance company can defend an uninsured motorist case against you. We get calls often, from people who have been in a automobile accident and were not at fault, but they did not have uninsured motorist coverage. As a result they cannot get compensation for injuries, bills, lost wages, pain and suffering, or lost enjoyment of life, outside of suing the at fault driver individually to collect a judgment.
Second, MedPay coverage is an essential coverage. This coverage costs very little on a monthly premium. However, it can be used to pay hospital bills or other doctor bills. For example, if you have $5,000.00 in MedPay coverage, you can pay up to $5,000.00 using this coverage. Also, please know that by law an insurance company CANNOT raise your rates for using MedPay coverage. So, please carry these coverages and be sure to know if you have these coverages on your policy. They can make a world of difference when care or truck accidents occur.
THIS ARTICLE/BLOG POST IS MADE FOR ADVERTISING PURPOSES. IT MAY NOT REPRESENT ALL THE LEGAL ASPECTS INVOLVED IN A PARTICULAR CASE, AND SHOULD NOT BE CONSTRUED AS OFFICIAL LEGAL ADVICE OR LEGAL OPINION AS IT RELATES TO YOUR SPECIFIC SITUATION.