When I’m speaking with someone about a car wreck they’ve been injured in, one of my first questions is “do you have medpay coverage.” The usual response is something like “you don’t understand, I wasn’t at fault for the wreck so shouldn’t we be going after the at-fault driver’s insurance?” When handling an auto crash case, I will definitely pursue the at fault driver’s insurance but an initial concern is making sure the outstanding medical bills are paid. The quickest, easiest way to pay the outstanding medical bills is through the injured person’s medpay coverage. Medpay (short for medical payments coverage) is a required first party coverage in Arkansas. That means every auto policy in Arkansas has a minimum $5,000 in medpay coverage UNLESS the insured signed a written rejection of medpay coverage. Medpay is a no-fault coverage meaning your insurance carrier will pay your medical expenses, up to the coverage limits, regardless of fault.
Another great thing about medpay coverage is it’s affordability. I looked at my auto policy this morning and I pay less than $6 per month for $25,000 of medical payments coverage. While insurance rates vary based on driving record, age, and vehicle, I’ve never had a client tell me they didn’t have medpay coverage because they couldn’t afford it.
Please check your auto insurance policy today. If you don’t have medpay coverage, get it.