Your automobile policy has an option where you can add medical payments, usually referred to as medpay. Medpay insurance is generally no-fault insurance that will pay for your medical bills related to an auto accident. If it is no-fault, this means that you can have your bills paid regardless of whether you caused the accident or not.
If someone else caused the accident and you decide to negotiate a settlement with the other driver's insurance company or bring a lawsuit against the other driver, these processes can take time. Medpay, on the other hand, can put the policy amount, which could be $5,000.00 to $20,000.00, in your hands much faster, possibly within weeks of the accident. You can usually select to get paid directly and then you can decide what to do with the money.
If you do not seek compensation from the other driver, you will not have to pay this money back. If you do bring a lawsuit, then your insurance company will want to be paid back but in certain circumstances, you may not have to pay back the full amount.
I recommend you look into obtaining medpay insurance on your automobile insurance policy. And if you have a situation where medpay applies I recommend you consult an attorney for advice. Not every insurance policy is the same.
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