Even if you are at fault, med-pay coverage may cover the costs of your medical treatment irregardless of who is at fault. Med-pay coverage is an optional insurance choice which provides all medical bills resulting from the car accident will be paid up to the coverage limit (i.e. $1,000 or $5,000 or more).
If you are not at fault and another party caused the car accident your injuries, the other party will be responsible for paying your medical bills. The at fault party’s insurance company will pay your medical bills, pain and suffering, loss of wages and other losses up to the coverage limits (i.e. $15,000 or $100,000 or more). Any excess damages above the insurance coverage limit is the sole responsibility of the at fault party and their personal assets and income may be on the line.
It is always a good idea to have med-pay coverage included in your auto insurance. If you have have been injured in an auto accident call Morales Law today for a free consultation. (805) 845-5405.