Explain About 10,000 MED Pay...
- Thread starter bluesky
- Start date
Your medical payments coverage will cover up to 80% of medical bills which leaves you with 20% of the responsibility. However, if the accident was not your fault, the other party's can cover the additional costs. If the other party has no insurance or is exhausted, your uninsured motorist coverage would apply. If you do not carry this coverage, any additional expenses would be under your health insurance or would have to be paid out by you.
Who was injured? You?
Basically medpay covers people in your car, not people in the other car.
In California, medpay is a primary payor, which means it can be billed directly (think your health insurance type of arrangement). Depending on your policy, there is usually no deductible or copay required for a covered event.
Bills in excess of medpay, and even the medpay amount, will get billed back to the at fault party, or their insurance company, under their liability coverage. If that is exhausted, it then goes back to your uninsured/underinsured motorist liability coverage till that is exhausted.
If you have health coverage, they will usually pay the medical bills and may or may not send the bills back to the auto insurance company.
Hopefully, the injuries will all heal.
Dan
Basically medpay covers people in your car, not people in the other car.
In California, medpay is a primary payor, which means it can be billed directly (think your health insurance type of arrangement). Depending on your policy, there is usually no deductible or copay required for a covered event.
Bills in excess of medpay, and even the medpay amount, will get billed back to the at fault party, or their insurance company, under their liability coverage. If that is exhausted, it then goes back to your uninsured/underinsured motorist liability coverage till that is exhausted.
If you have health coverage, they will usually pay the medical bills and may or may not send the bills back to the auto insurance company.
Hopefully, the injuries will all heal.
Dan
- Thread starter
- #6
The state is GA. I have $10k med pay on my policy. So far, ins. , mine has been paying out. Not sure what her policy states, have requested that HER insuracnce provide me with that info. Thanks for your post.
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HA, my agent NEVER even filed a report for my claim, hence I still have not ever gotten a rent car. I got one on my charge card for one month, got expensive, went to see her, found out she did not file a claim for me, so I went and bought a granny car and have been driving it since. SO SF thinks all is okay? Tried to give me a VERY small Property price for my car-which forces a hardship, me to go totally in debt to get a decent car. WHY have "make Whole"?
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Dan, thanks, bruised my guts am sure of that! Slowly healing, bruises gone, still sore. I had un/insured, will ck policy about that again.That is what I thought I had PAID for, like the rent car too. I have no personal ins.-job loss, so far SF has paid the medical, we will see. $10k is exhausted on my end. Still go to dr. , tried to not go as often, then the major headaches kick in, eyes swirl,teeth ache! WHEW!
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This will draw the ire of some here, but I would suggest you consult a lawyer. You may have injuries that go beyond simple soft tissue. The lawyer will take a significant chunk but you need professional assistance with your claim. Just try to get a good one, not just some schmuck you see on TV.
Medpay is first party coverage here, so it pays me directly if I recall. I haven't had a medpay claim just yet. I do have friends though in NC who say that the OTHER party insurance (the one at-fault) says to use your medpay and then they will pay the rest, which is BS but it can happen.
As for going into a hardship for a car, ACV sucks for cars especially if they are within that 1-4 year of age period where the value drops DRASTICALLY every year. I had a friend who got a 21k car last year and says it went down to 17-18k the following year, then got into an accident and was told it was worth about 13k now because of the title- Idunno if that is true or not but it happens a lot. It is even worse if you have a loan on the car since the finance company gets the money and is made whole, and you have NOTHING most of the time, or even owe money. Hence the importance of lease/loan gap coverage or repair/replacement cost for newer cars, if applicable.
You can consult with a lawyer all you want but if the other party had no insurance then your UM/UIM will kick in if they were at fault if you had better limits than them or if they had no insurance at all. Once that is exhausted, you go and sue for the rest but if the other party was uninsured they probably couldn't afford to pay directly anyway. I'm not giving legal advice but I'm trying to be realistic here. I could be wrong here, however, since I don't know all the circumstances.
This is why state minimums are always a bad idea, it screws everyone. This is just a blanket statement, it isn't aimed specifically at you.
As for going into a hardship for a car, ACV sucks for cars especially if they are within that 1-4 year of age period where the value drops DRASTICALLY every year. I had a friend who got a 21k car last year and says it went down to 17-18k the following year, then got into an accident and was told it was worth about 13k now because of the title- Idunno if that is true or not but it happens a lot. It is even worse if you have a loan on the car since the finance company gets the money and is made whole, and you have NOTHING most of the time, or even owe money. Hence the importance of lease/loan gap coverage or repair/replacement cost for newer cars, if applicable.
You can consult with a lawyer all you want but if the other party had no insurance then your UM/UIM will kick in if they were at fault if you had better limits than them or if they had no insurance at all. Once that is exhausted, you go and sue for the rest but if the other party was uninsured they probably couldn't afford to pay directly anyway. I'm not giving legal advice but I'm trying to be realistic here. I could be wrong here, however, since I don't know all the circumstances.
This is why state minimums are always a bad idea, it screws everyone. This is just a blanket statement, it isn't aimed specifically at you.
Auto Med Pay is 1st party coverage. You have $10K in coverage regardless of liability from your carrier if you were " ...in, on or about" an automobile.
Many have turned their bills into both their auto and health carrier to "double-dip" so to speak. Perfectly legal.
Courts in Illinois reason if you paid a premium for the coverage you are entitled to collect.
Of course, auto carrier has subrogation rights against the tortfeasor if liability can be established.
Many have turned their bills into both their auto and health carrier to "double-dip" so to speak. Perfectly legal.
Courts in Illinois reason if you paid a premium for the coverage you are entitled to collect.
Of course, auto carrier has subrogation rights against the tortfeasor if liability can be established.
You waited a month to check the status of your claim? At 2 or maybe 3 weeks in after never being contacted by the claims deptartment, you didn't consider checking the status of the claim?
The delay is mostly your fault. The rental and storage fees are all your fault. You expect to be compensated for your time to waitin line to get a rental car that you went out and got on your own. You don't have a realistic view of what is covered or how any of this works. The "lowball offer" you received is probably just your unrealistic view again. In my experience, State Farm pays stupid money for total losses. They overpay beyond realistic value.
The delay is mostly your fault. The rental and storage fees are all your fault. You expect to be compensated for your time to waitin line to get a rental car that you went out and got on your own. You don't have a realistic view of what is covered or how any of this works. The "lowball offer" you received is probably just your unrealistic view again. In my experience, State Farm pays stupid money for total losses. They overpay beyond realistic value.
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