If I have health insurance, why do I need med-pay?
We are often asked questions about what insurance someone should buy. One of the most common questions is why pay extra for med-pay on my car, when I already pay for health insurance? Personal health insurance has limits (as to which hospital you may use, what doctors you can see, what treatment you may receive and how often you may get treatment). You will have to pay for co-pays and deductibles. More importantly, health insurance will only cover you and your immediate family. Your health insurance will NOT cover other passengers in the car (like mom, dad, cousins, uncles, niece, nephews and friends!) Your med-pay covers everyone in the car and does not have the same limitations as your health insurance. With med pay you are free to see any doctor you want.
In addition, most health insurance policies require you to reimburse accident related bills if you recover a personal injury settlement. Most med-pay policies do not, which can help maximize your settlement!