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Spann Wilder Law, LLC

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843.266.7792 (office)  • 800.866.3830 (toll free) • 843.266-7797 (fax)
2131 Dorchester Road (29405) • North Charleston, SC 29405
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MedPay

Medical Payments (medpay) is a coverage that may be available under your own auto insurance policy. This coverage will pay for reasonable expenses incurred for necessary medical and funeral services because of bodily injury caused by auto accidents and sustained by an insured. It is usually issued in amounts of $500, $1,000, $2,000, $5,000 or even higher. Individuals covered include:
1. You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or
2. Any other person while occupying your covered automobile or any vehicle driven by you or a family member.
The services are only reasonable and necessary if the treatment is rendered by a licensed medical provider within his practices and the charges are consistent with the usual charges within the geographical area for similar services. Medpay does not cover pain and suffering, scarring, permanent disability. Depending on how your policy is written, it may cover lost wages.
This coverage applies only in limited circumstances. First you must have been injured in the vehicle accident and you must have incurred medical expenses. The insurance coverage does not pay for future medical expenses; it only reimburses for medical expenses you have due to your injuries in the accident. Secondly, you must be an insured under the policy to receive the benefits of med pay coverage. An insured under the insurance policy is:
• The named insured on the policy (usually the one who owns the vehicle that is insured)
• The named insured’s resident spouse
• Any family member to the named insured which is any person related to you by blood marriage or adoption who is a resident of your household
• Anyone using the vehicle covered under the named insured’s policy
Insurance coverage follows the vehicle. If you are in a vehicle that has med pay coverage on its policy, you will likely be a covered insured under the med pay coverage of the policy. However, you may be a covered insured for med pay coverage under more than one policy. It is best to consult an attorney to be sure you know which policies may cover you under the medical payments coverage.
As is the case with most insurance policies, there are listed exclusions when the policy does not apply. The facts arising out of your automobile accident will bring rise to those factors. If it always a good idea to secure a copy of your policy to ensure that what you are being told is in fact what you have agreed to.
It is not required that you carry med pay coverage in South Carolina. Therefore, the coverage is only a supplemental coverage you can purchase on your policy. Typically the charge for this coverage is small compared to the benefit you can receive if you are ever in a vehicle accident. If you are injured and an insured under the med pay policy, then you are entitled to this benefit regardless of fault. I encourage you to ask your agent about adding this coverage to your policy today.
Redeeming your medpay coverage will not increase your premiums. Your insurance premiums can only be increased if you have a chargeable offense, or are involved in a chargeable accident. You are also entitled to be paid the full amount of your medical expenses (up to the limit of your medpay), not just the balance due after other insurance has paid. For example, if you have health insurance, and it paid 80% of your medical expenses, you could still claim the full amount of your bills for medpay reimbursement, not just the 20% balance owing.
NOTE: if there is more than one medpay benefits policy available, you are only entitled to collect up to the exact amount of the total medical expenses you incurred. You cannot submit the same bills for duplicate payment to more than one insurance company.

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DISCLAIMER

The information you obtain on our website is not, nor is it intended to be, legal advice. It is always best to consult an attorney directly for advice regarding the specifics of the individuality of your claim. We welcome your calls, letters and electronic mail. Please do not send any confidential information to us until such time as an attorney-client relationship has been established as the information may be discoverable by the other party to your claim if we do not proceed with your representation. This website should not be considered as a description or characterization of the quality of the firm's representation and in no way should be interpreted as a guarantee of a specific result for your case. Every case is different and must be evaluated on its own merit.

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