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"Med Pay" is short for medical payments.  An auto insurance policy in New Hampshire will have a couple of different kinds of coverage that relate to personal injury.

• Liability
• Uninsured/underinsured coverage
• Medical Payments coverage

The liability portion protects you from a lawsuit and pays damages when you are the one responsible for the accident.  Uninsured coverage pays you when you are hit and hurt by someone who does not have insurance or does not have as much as you do.  Medpay is what I am posting about today...

Medical Payments is a set amount of money that you have purchased from your auto insurance company to cover ...you guessed it, medical payments.

It is, at a minimum, $1000 of coverage, but you can buy more and if you can afford it it is generally worth it because the premiums are not that high.  Here's what Med Pay does for you. If you are in an auto accident in New Hampshire and you go to the hospital get checked out and then have a few followup appointments then you can take those bills and have them paid by your "Med Pay" coverage.  This kind of coverage is especially helpful if you or your client does not have health insurance.

If the other driver was responsible for the accident, then med pay helps in that you can actually get some medical care and not have to wait to see if the other insurance company is going to pay your claim.  We have seen in many of our cases, a client who is reluctant to get needed medical treatment, because they had no way of paying for it, or only had $1,000 in coverage and did not want to risk waiting for settling their claim.  Med Pay solves this problem.  When you renew your car insurance policy ask about getting more coverage.  It's not that much.