Did you know? If you are in an auto accident, there is a chance that your personal insurance policy will have "medical payments" or "Med Pay" coverage. Regardless of who was at fault, med-pay will reimburse you for out of pocket medical expenses related to the accident. For example, let's say you have an emergency room bill for $5,000.00 - and your health insurance paid $4,900.00 of the bill leaving the $100 as your responsibility (deductible). You can submit the bill and recover your $100 payment that came out of your pocket. There are limits to the amounts that the insurer will pay, so be sure to 1.) ensure you HAVE med pay coverage - if not, get it - it is cheap, and 2.) check the coverage limits.
Another interesting factor - med pay coverage is "stackable." This means that it can be multiplied by the number of vehicles on your auto policy. So - let's say you have $5000 med pay coverage...and you have 3 vehicles. You would have access to up to $15,000.00 of assistance to offset medical payments related to any injury sustained in a car accident.
Med pay is a valuable asset. It is inexpensive and can save you from financial problems in the event of an accident and injury. Plus, it is a no fault benefit - payments will not raise your policy premiums in most cases.
As a final note - ALWAYS submit your personal health insurance for payment to healthcare providers, hospitals, therapists, etc., for injuries sustained in an auto accident. You derive the benefit from health insurance, and it reduces your overall out-of-pocket expense.