Car Accident Attorney Virginia Beach
Understanding how your insurance works can be confusing, particularly when it comes to understanding all potentially available coverage, such as medical payments coverage. Medical payment coverage is referred to as “MedPay” and is most commonly found in automobile insurance policies, though such benefits may be available through other types of insurance, including homeowners’ insurance. It is important to be familiar with the benefits and limitations of this supplemental coverage to take full advantage of all insurance available to you following an automobile collision.
If you or a loved one was injured in a motor vehicle accident due to someone else’s negligence, the Virginia Beach car accident attorneys at Shapiro, Washburn & Sharp can help you understand the role your insurance coverage plays in the personal injury process. Contact us today to schedule a free case review.
What is MedPay Coverage?
MedPay coverage is an optional supplement to your own auto insurance policy that covers medical expenses arising from car accidents without any regard to fault. If included in the policy, it covers out-of-pocket medical expenses up to its coverage limits accrued by the insured due to a collision, notwithstanding who caused it. You claim it through your own policy, not through the party’s policy that collided with you.
MedPay is often most helpful for folks who need additional assistance with medical bills following an accident, particularly those who may have difficulty fronting any out-of-pocket costs of medical treatment, copays, and/or health insurance deductibles prior to the resolution of their case. It supplements your health insurance by providing additional funds for medical costs not covered by your health insurance. That being said, it is not a needs-based type of insurance coverage and is available to anyone whose insurance policy contains such coverage.
Why You Should Hire an Attorney
Understanding the basic concept of MedPay is simple enough. As with many insurance policies, however, it can be confusing trying to figure out who may be entitled to such benefits and what the limits of such coverage are under a particular policy.
Moreover, insurance companies, even your own, often do not have your best interests in mind. It is not uncommon for insurance companies to stoop to underhanded tactics to avoid paying out legitimate claims and leaving seriously injured car accident victims without the money they need to pay off medical expenses related to their accident. They profit from your confusion and inaction, and they certainly will not advise you of compensation available to you that you do not seem to know about.
This is one reason why it is incredibly important to hire an attorney following an automobile collision. A Virginia Beach car accident attorney can provide invaluable insight into the process of insurance claims, including analyzing potential MedPay benefits, negotiating with insurance carriers on your behalf, and ensuring that your interests and rights are protected. An attorney will understand what steps need to be taken to maximize your overall settlement.
All We Do Is Injury Law
The skilled Virginia Beach car accident attorneys at Shapiro, Washburn & Sharp, P.C. can provide invaluable help and insights into understanding the claims process and ensuring you receive full and fair financial compensation, including MedPay coverage. In one case, we obtained a $930,000 settlement for a senior citizen who was severely injured when another driver made a lefthand turn instead of yielding the right-of-way.
If you have a potential car accident case you would like to discuss with one of our attorneys, call (833) 997-1774 or fill out the contact form on our website. We have offices in Virginia Beach, Norfolk, Portsmouth, Hampton, Suffolk, and Kitty Hawk, North Carolina.