Med Pay coverage is optional coverage on auto insurance policies. Med Pay can be used after an accident to pay medical bills of people in the vehicle with Med Pay coverage. Med Pay coverage is usually written in amounts of $500, $1,000 or $5,000. Fault does not matter when utilizing Med Pay. In other words, you can utilize Med Pay coverage even if you were driving and were at fault for the accident. But Med Pay does not pay pain and suffering damages and is often excluded when an injured party can otherwise utilize workers’ compensation coverage.
On the other hand, UM can only be utilized when the driver of the vehicle covered with UM is not at fault for the accident. UM stands for underinsured/uninsured motorist coverage. UM can be used to pay for pain and suffering, lost wages and medical bills. UM coverage is written for much higher coverage than Med Pay as well. All automotive policies come with UM coverage unless it is rejected in writing on a form prescribed by the Louisiana Commissioner of Insurance. Also, if you have UM coverage on a vehicle you own, your UM coverage follows you and covers you when you are in another person’s vehicle. UM coverage can only be utilized once you have exhausted the limits of the liability policy of the driver that caused the accident. On the other hand, Med Pay coverage can be utilized before any liability insurance is paid. Med Pay coverage serves to help accident victims pay medical bills after an accident immediately so that victims are not sent to collections for unpaid Emergency Room bills.
If you or a loved one has questions about UM coverage or Med Pay coverage, contact the Law Office of Donald D’Aunoy Jr., LLC today for a free case consultation.