You were involved in a car accident in California, and it’s not your fault. You go to your doctor and you seek medical care. The doctor’s office asks you as you’re leaving, “Do you have medical payments coverage?” You reply, “Why do I need to tell you that?” Well, let me explain to you why.
Medical payments coverage, or med pay as it is often called, is a coverage just designed for that, for your medical bills and for the medical bills of the passengers in your car. The good news is it covers you and your passengers regardless of who’s at fault, and it can be invoked or used up to the limits of that medical payments coverage on your own policy. So, check your policy to see if you have medical payments coverage, and be sure to give that information to your doctor.