Use Auto Insurance as ‘Mini Health Insurance’

Paying a little extra for auto insurance can make a big difference for people who get injured.

State law requires every Oklahoma driver to have liability insurance. But that coverage won’t pay your medical bills if you are hurt in a car accident.

Johnson & Biscone recommends everyone with an auto insurance policy add medical payments coverage, often known as med pay. Med pay is like having mini health insurance that helps cover care from cleaning up minor injuries to major surgeries or ongoing rehab.

Drivers can work with their insurance agents to add med pay to their policies. The premiums are usually not very expensive, and most companies provide coverage at a wide variety of levels.

One of the best things about med pay is it follows the policyholder everywhere. In other words, someone who is walking or running, riding in a friend’s vehicle, driving with family or using public transportation will still receive coverage after an accident.

Med pay covers a wide variety of costs from immediately after a wreck to continued care months down the road, including:

  • Ambulance fees and mileage
  • ER visits
  • Physician bills
  • CT scans, X-rays and MRIs
  • Surgeries
  • Physical therapy

Because of the many benefits, our firm recommends people add med pay to their auto insurance, just like we suggest upgrading to uninsured/underinsured motorist coverage. When people have both kinds of insurance, they know someone has their back in case of an accident.

Med pay coverage can help your injury claim immensely. Experienced lawyers know how to make the most of the coverage you have purchased. We are always ready to help hard-working people who feel they are not being taken care of.

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Oklahoma City, OK

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