As far as a personal injury claim is involved, probably not. To understand excess Medpay, it is necessary to understand what regular med pay is. Medpay is coverage you can purchase on your auto policy which will kick in in case you’re in an auto accident and you incur medical bills. This type of coverage is applicable to any type of medical bills- including but not limited to emergency room visits, hospital bills, ambulance bills, chiropractic care and any other such visit. This coverage kicks in regardless of who is at fault for an accident and also regardless of whether you have a pre-existing condition. You can submit your medical bills to your auto insurance and they will pay it up to the amount you purchased, anywhere from $1,000 to $100,000.
So what is Excess MedPay?
Excess Medpay is a coverage that works like Medpay but has complicated rules and multiple hoops to jump through before you can actually access it, hence why it’s better just to purchase a greater amount of Medpay. Most likely you will give up before accessing it and thus, you are paying for coverage that you’ll never be able to access.
Our firm highly recommends purchasing MedPay because it is relatively inexpensive and can only benefit you in the case of any accident, regardless if you are at fault for the accident. Lastly, it can also prevent the initiation of collection action and subsequent negative credit reporting as the case against the opposing party can take many months, if not years to resolve.