This has been reviewed and updated on 2/18/2021.

Many drivers decline medical payments coverage (MedPay), believing their current policy will cover treatment costs. However, this can be an expensive mistake. Most insurance plans carry high deductibles and co-pays, which means your share of the medical treatment expenses could cost thousands of dollars. The medical payments clause in your auto insurance plan covers these expenses if a car crash occurs. It fills significant policy gaps, which would otherwise result in major out-of-pocket costs. Whether you're a new or experienced driver, learn more about how you can benefit from adding or maintaining a medical payments policy. 

How Does MedPay Insurance Work in Nebraska? 

Primary Coverage

After a car crash, the policyholder pays their medical bills upfront. However, there are no co-pays or deductibles as there are with most health insurance plans. The injured driver would seek reimbursement for the bills from their MedPay carrier. Most MedPay policyholders receive recompense in three weeks or fewer. 

Secondary Coverage

MedPay can also be used as a supplementary form of coverage, acting as a safety net. When filing a claim, the injured party's health insurance covers the majority of the bills. MedPay covers the co-pays and the deductibles. 

Who Gets Covered Under a MedPay Plan?

MedPay coverage applies to the policyholder, whether they're driving the car, in the passenger's seat, or if they're injured as a pedestrian. The extension is broad, providing coverage even if the individual is injured in another person's car. Family members are also covered under MedPay plans if they're driving the policyholder's vehicle. 

How Do Drivers Benefit From Medical Payments Insurance? 

Fast Payment

Even if you expect a personal injury settlement from the other driver's insurance company, you may not see payment for months. During that time, you'll be expected to cover your health care expenses yourself. With medical payments coverage, you won't have to carry this burden since the policy pays out almost immediately. 

Extensive Coverage

While there are variations in the finer details, all MedPay plans cover traveling in every state. They're also viable regardless of who is at fault if a car crash occurs. Regardless of the provider, MedPay plans cover funeral costs, along with treatment and rehabilitation. 

If you've been injured in a car crash, having skilled attorneys on your side can be instrumental in ensuring your rights are upheld, and you receive the compensation you deserve. For over 30 years, Salerno & Leavitt has held negligent drivers responsible for the damage done to people and their property. Throughout Omaha, NE, they're known for their aggressive negotiation tactics that increase the likelihood of a positive outcome. Visit them online to learn more about their comprehensive practice areas. To schedule a free consultation, call them at (402) 502-9002 today.