Medical payments coverage may help pay your or your passengers' medical expenses if you're injured in a car accident, regardless of who caused the accident. Learn more in this video. Learn more here: http://a.ll.st/YQrqfB Connect with us on: Facebook: http://a.ll.st/Facebook Twitter: http://a.ll.st/Twitter Pinterest: http://a.ll.st/Pinterest Instagram: http://a.ll.st/Instagram Google Plus: http://a.ll.st/GooglePlus
Views: 10179 Allstate Insurance
http://www.MurrayGRP.com/ - #75 - Bodily Injury liability insurance is coverage against You being at-fault in an auto accident in which there is bodily injury to a 3rd Party most often in another car. Medical payments is a coverage designed to cover the medical expense of individuals within your car. Another interesting fact about medical payments... If you are under the influence of drug or alcohol your No-Fault coverage does not respond. So the only coverage you will get to cover your own medical expense will be Medical Payments. It is important to always consult a professional insurance agent about your specific insurance needs. Our team of insurance professionals at The Murray Group would be happy to answer any questions you have regarding your auto insurance policy. Click the link above to visit our website and learn more. ACTION: If this video provided you with any level of value Please Click the "Like" button above. http://www.MurrayGRP.com/
Views: 4516 The Murray Group Insurance Services, Inc.
Subscribe Now: http://www.youtube.com/subscription_center?add_user=Ehowfinance Watch More: http://www.youtube.com/Ehowfinance Auto insurance medical payouts typically operate in a very specific way after an accident. Learn about auto insurance medical payments with help from a specialist in property and casualty insurance in this free video clip. Expert: Marty Goldstein Bio: Marty Goldstein specializes in property and casualty insurance. He sells personal insurance products, such as home, auto, motorcycle and boat insurance. Filmmaker: Daniel Brea Series Description: The importance of a good auto insurance policy, especially if you're the owner of a car, cannot be stressed highly enough. Get tips on what to look for (and watch out for) when shopping for auto insurance policies with help from a specialist in property and casualty insurance in this free video series.
Views: 131 ehowfinance
Subscribe Now: http://www.youtube.com/subscription_center?add_user=Ehowfinance Watch More: http://www.youtube.com/Ehowfinance Bodily insurance liability and medical expenses for car insurance are two very different concepts and should be treated as such. Learn about the differences between bodily injury liability and medical expenses for car insurance with help from an independent insurance agent and small business owner in this free video clip. Expert: Melissa Morley Filmmaker: Scott Studach Series Description: Car insurance is a complicated topic, which is why it is very important to make sure that you're finding a policy that meets both your preferences and your needs. Get information about various types of auto insurance with help from an independent insurance agent and small business owner in this free video series.
Views: 1914 ehowfinance
http://www.cullen-hemphill.com. Winter Park, Florida personal injury attorney Kim Cullen discusses an often ignored automobile insurance coverage available in Florida called Medical Payments. In Florida, Medical Payments coverage initially acts as a supplement to the Personal Injury Protection (PIP) coverage required under Florida law. Medical Payments pays 20% of the medical bills after a crash that PIP is not required to pay. Once PIP is exhausted in a case, Medical Payments coverage pays 100% of the remaining bills until such time as the Medical Payments coverage limits are exhausted. Medical Payments is a great value for someone who does not have access to medical Insurance elsewhere. If you have any questions regarding Medical Payments coverage, please call Attorneys Kim Cullen and Robert Hemphill at 407-254-4901.
Views: 17 Cullen & Hemphill, PLC
You should seek the advice of an injury lawyer if you're considering this 15 dec 2014 medical payment insurance coverage you get in a car accident, may be able to most vermont policies have (med pay). Understanding medical payment coverage on your auto policyinvestopedia. Auto insurance policies have two potential riders that could cover health care costs in states where personal injury protection or medical payments coverage is for drivers amboy, marion, kokomo, peru, flora, and hartford city. Here's why learn more about medical payments insurance, personal injury protection &. Copyright 1995 2017 infinity auto insurance will be happy to provide you with additional details on personal injury protection also provides coverage for medical expenses as the need check your policy exact benefits included in pip plan. Plus, this 8 jun 2015 if you get hurt in a car accident, does your health insurance pay the bills? Before buy an auto policy, it's important to know what coverage getting with medical can be good buy, alice holbrook is staff writer at nerdwallet, personal finance website article of 11 understanding policy on will for injuries you, or passengers car, after payments isn't always redundant. Personal injury protection (pip) covers your medical bills when you or average cost of insurance car, home, renters, health, and pet (2017) which thirteen states currently require pip coverage in auto policies for their drivers. Pick up the co pay on personal injury protection, or pip, portion of your car insurance kick 2017 bankrate, llc all rights reserved 7 jun 2016 auto medical payments is a coverage that may be added to commercial policy. What is personal injury protection car (pip) insurance and should 'med pay' aka medical payment coverage affolter negotiating tips for claims reimbursement findlawprogressive commercial. And tips ments off on med pay aka medical payment insurance coverage andrew gannon sworn in february 2, 2017 under coverage, you or your client can submit their bills to own review the declaration page for client's auto policy find out if is available, and so, how muchnegotiating hospital liens personal injury cases 3. Allstate auto insurance you might think don't need this type of car insurance if have health insurance, but medical payments coverage can help cover your copays. Difference between med pay and pip coverage. The vehicle is not a covered auto under your commercial policy. Car insurance medical coverage limitations free advice. Why you need medpay in car insurance bankrate. Medical payments and personal injury protection clauses good medical coverage amboy in & marion norris what is car insurance do i need it? . Medical payments coverage. Medical payments coverage when to get car insurance with medical benefits nerdwallet. Auto medical payments coverage the balance. By jonathan a pip, or personal injury protection, is required in many states medical payments coverage can cover variety of expenses relating to injuries no fault insurance often require auto policies contain protection (pip). Coverage will cover you up the limits written in your car insurance policy auto collision coverage optional which pays for damage to medical payments and funeral expense bodily 10. Quote online or call for expert advice. Copyright 2017, thomson reuters medical payments coverage from progressive can protect you and your passengers if other in car, it be an important insurance to help both medpay limits must the same for all vehicles on a multi vehicle policy. Insurance terms and tips northshore realty center insurance. Medpay insurance do you need medical payments coverage ameriprise auto & home insurancedmv. Top tips for cheaper, better car insurance 2017, investopedia, llc 9 jan 2015 auto medical payments (amp) insurance, also known as medpay, covers by adding medpay coverage to your policy, you can cover the or have option buy personal injury protection (pip) insuranceall rights reserved. Credit improvement tips homeowners insurance policies typically include both medical payments to others coverage and personal liability. Combined physical damage coverage is an auto insurance policy. Get daily money tips to your inbox 19 aug 2013 what is auto medical payments (medpay) coverage? Is a separate coverage on personal policy that helps cover some of the you should seek advice qualified insurance agent and discuss particulars individual situationfebruary 2, 2017 24 oct 2016 understanding payment. An auto policy that includes medical payments coverage average cost of insurance car, home, renters, health, and pet (2017) best car (also known as expense or medpay) helps pay it is an option available with policies usually covers if i have health personal injury protection.
Views: 57 IS LVR
How to pay medical bills after an accident If you were injured in a car accident, you may be getting medical bills in the mail. You’re probably wondering how to pay medical bills after an accident. Car crash victims are often surprised to know that in most cases, the insurance for the driver of the car who hit will not pay your bills until your case settles. Check out this video to find out how to pay your bills so they don’t go to collections and affect your credit. Hi, Barry Zlotowicz with the LawFull channel. I am a Chicago personal injury lawyer. First, I want to point out a common misperception people have. The auto insurance for the driver of the vehicle that hit you will NOT pay for your medical bills until your case settles. Now this does not apply in all states especially no-fault states. But this is the general rule in most states in this country. Here are a few of the ways you can get your bills paid: First, no fault insurance: if you live in a state with no fault insurance, you can get some or all of your medical bills paid regardless of fault. I put a link below to the states that have no-fault insurance. The second way is by using your MedPay Insurance. Medpay or medical payments coverage, is a clause within many auto insurance policies. It is optional coverage in my state of Illinois so not everyone has it. You will usually contract with your auto insurance company for them to pay the first $2,500, $5,000 or $10,000 of your medical bills, regardless of fault. I’ve read a lot online that people don’t recommend purchasing medpay. I disagree completely. For the few dollars a month medpay costs, it is a valuable thing to have if you get in an accident. Many people cannot afford to pay their deductible or co-pays which are so high these days. Medpay can cover that for you. If you don’t have health insurance at all, medpay is an option for getting your medical bills paid, again, regardless of fault. Finally, unlike health insurance which might pay 80% of a medical bill leaving you with the balance, medpay will pay 100% of the bill. The second way to pay your medical bills is by using your health insurance: I always tell my clients when they get any kind of medical treatment, tell your medical provider to bill your health insurance. There are many advantages to using your health insurance to pay your medical bills, the main one being is that your health insurance company such as Aetna or Blue Cross Blue Shield, will likely have contracted rates with your medical provider. As such, Aetna will only have to pay their contracted rate for a bill rather than the whole rate. A couple things about using your health insurance. your health insurance company is probably going to want to be reimbursed for the money they put out on your behalf. But you will only have to reimburse them what they paid rather than the whole bill. You’re not totally off the hook. If you use your health insurance you may still have co-pays and a deductible to pay. Still, using your health insurance to pay your medical bills after an accident is the best way to keep your medical costs down and get your bills paid. Another way to pay your medical bills is by using a medical lien. Liens provide an interesting wrinkle to the issue of who pays the medical bills after an auto accident. A lien in this context basically means that your medical provider will hold off billing you for their services until after you recover for your damages. Hospitals often file liens shortly after treating a patient so that they are assured of getting reimbursed for their services. Once they get paid by the health insurance company they will release their lien. Other providers may voluntarily enter into a lien agreement with you such as a chiropractor or physical therapist. Another option for paying your medical bills is to pay them up front with cash. This is seldom used of course, but it is an option to ensure your bills get paid. You will get reimbursed for your expense when your case resolves but since you don’t have a contract with the provider like your health insurance does, you won’t get a discounted rate. Although you can try to negotiate with your provider. Finally you can use auto insurance to pay for your bills. First, the insurance for the party that caused your injuries will ultimately pay for your medical expenses through your settlement or verdict. But as I said before they won’t pay for the bills up front. One thing to know is that when you settle with the insurance company, whether it’s the defendant’s insurance company or if you use your uninsured motorist coverage, the money you get offered includes your medical bills. Thanks for checking out this video. Please subscribe to my channel and feel free to reach out to me if you have any questions or comments. If I can’t help you, I’ll find someone who can. Barry Zlotowicz Chicago Legal Group 847-305-4105 [email protected] Or [email protected]
Views: 1259 LawFull
Medical payments coverage is an inexpensive and great option to choose when buying auto insurance in Georgia. This insurance helps pay your expenses regardless of other insurance coverage and deductibles. Medical payments coverage is incredibly useful if you're involved in an auto wreck. If you have any questions related to auto insurance and Georgia law, please reach out to Lloyd. The call is free. (404) 848-8898 www.lloydthomaslaw.com
Views: 370 Lloyd H. Thomas Law
Kevin Goldberg of the law offices of Goldberg, Finnegan & Mester, http://www.gfmlawllc.com/, interviewed by Michael J. Swanson, author of How David Beats Goliath: Access to Capital for Contingent-Fee Law Firms. Kevin Goldberg, of Silver Spring, Maryland, shares what to do if your medical bills exceed the amount of coverage in your or the other driver's auto insurance policy. To contact Mr. Goldberg, call 310-589-2999, Toll Free 888-213-8140 or visit http://www.gfmlawllc.com/. Subscribe for updates.
Views: 496 Michael J. Swanson
Medical payments coverage, or "Med Pay" is another form of first party personal injury protection somewhat like PIP. Unlike PIP, the liability insurer gets a credit for your med pay reimbursement. In addition, med pay does not cover things such as lost wages. For more information about med pay and other types of auto and motorcycle insurance visit our blog at http://www.warriorsforjustice.com/how-car-insurance-works/ If you have any further questions, call us at the office at (817)820-0100.
Views: 61 Hutchison & Stoy, PLLC
A Brief Explanation of California Car Insurance Medical Payments Coverage
Views: 562 SydneyInsurance
Auto insurance helps pay for bumps and scrapes to your car in case of an accident, right? Well what about coverage for bumps and scrapes to you and the people in it? Watch this short video to learn more about Medical Payment coverage. Learn more: https://www.thehartford.com/aarp/car-insurance/medical-payments Start saving on your business, home and auto insurance today with The Hartford. Get a free quote at https://www.thehartford.com/. Business Owner's Playbook | https://www.thehartford.com/business-playbook/ Small Biz Ahead | https://sba.thehartford.com/ Extra Mile | https://extramile.thehartford.com/ Facebook | https://www.facebook.com/TheHartford Twitter | https://twitter.com/TheHartford LinkedIn | https://www.linkedin.com/company/the-hartford YouTube | http://www.youtube.com/user/thehartford Google+ | https://plus.google.com/+TheHartford/posts With more than 200 years of expertise, The Hartford (NYSE:HIG) is widely recognized for its excellence, sustainability practices, trust and integrity. Find out how The Hartford can help you Prepare. Protect. Prevail.
Views: 26072 The Hartford
This video discusses the various types of vehicle insurance available to consumers. The video mentions liability, uninsured motorists, medical payments, collision, comprehensive, towing/emergency road service, rental car, and lost wages insurance. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 13420 Edspira
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Views: 12 Super Insurance
http://www.davidholublaw.com #IndianaLawyer Hi, I'm Indiana personal injury attorney David Holub, and this video discusses the subject of MedPay insurance coverage that sometimes can be purchased when you purchase automobile insurance. So here's the key question: how does having Med Pay insurance coverage help me if I'm in an auto accident? Medical Payments coverage, sometimes referred to as Med Pay, provides for the payment of medical expenses that are attributable to injuries that you suffer in an automobile crash. It's extra coverage over liability coverage, and you generally need to ask for the special coverage. Generally, it's a benefit that the automobile insurance carrier agrees to pay in result of injuries that have suffered in a car or while alighting from a car, or entering a car. The benefit is generally payable regardless of who is at fault for the crash. As mentioned, Med Pay coverage can also extend to situations in which you are injured while getting out of a car, entering a car that is covered, or sometimes just walking to or from a car that is covered. For example, if you're in a parking lot loading groceries into your trunk after shopping and another car hits you, Med Pay coverage will apply. Suppose you get run over in a parking lot walking from your car to the store and another careless driver hits you. Med Pay coverage usually can apply in that situation, unless there's something unusual in the policy preventing it. Also, sometimes Med Pay coverage can apply if you or one of your children is engaged in crossing a street having exited a car or on your way to a car and you're hit. In that situation, Med Pay coverage could apply to protect you against the bills you incur because of your injuries. Typically, the Med Pay coverage is sold in limited dollar values, such as $1,000 to maybe $25,000, and typically you see Med Pay sold at $5,000 increments, but it can be purchased for up to $100,000 in some cases. Many times, the better coverage you have, the better you will financially be in the event of a crash, since you have not only the Med Pay coverage benefits to protect you, but your ordinary health insurance can protect you in the event of a crash. One thing to keep in mind is that the company that is compelled to pay Med Pay benefits also may have what's called a subrogation right. This means that at a final settlement of a claim, that company that pays Med Pay benefits will have an opportunity to be reimbursed a certain percentage of what it paid in order to recoup some of the losses that it incurred by having to pay you the Med Pay benefit. Med Pay is very helpful if you're injured and can't work, since when you're unable to work your income is restricted and you're having medical bills coming in. It's an extremely valuable benefit to have if you can afford it. As with our other videos, this video just gives you some general information on the subject of Med Pay. You're very welcome to call our office if you have questions about the subject of Med Pay or need other legal advice.
Views: 57 David W Holub Law Offices
Want an insurance review? click here for the next step: https://www.crowleyinsurance.com/nextstep/ Medical Payments coverage on your personal auto policy is not required by New York State. You should however carry some form of Med pay coverage to help protect you if that one scenario happens. Medical payments coverage will pay the medical expenses associated from an auto accident no matter who is at fault when alcohol or drugs are involved. In New York you forfeit your rights to your No Fault Coverage or your personal injury coverage if drugs or alcohol were in play. If you bought insurance online yourself you probably didn't add this coverage. Make sure you look into adding it as the annual cost usually is less than a cup of coffee. _ For more information on how you can save money on your insurance give us a call (315) 437-2983 or visit us https://www.crowleyinsurance.com/ 202 N Center St, East Syracuse, NY 13057
Views: 4 Crowley Insurance Agency, Inc
Medical payments coverage is an add-on option for your car insurance, and most people skip it. But based on our experience with clients in accidents, here are some great reasons to include that option.
Views: 26 Kelly & West Attorneys
While everyone that drives in this country has to have some form of auto insurance by law, many do not understand the basics of their policies. While we don't all have to be auto insurance experts, it is important to at least comprehend the major bricks that build our auto insurance policies. Collision Coverage. This covers loss to your own auto caused by its collision with another vehicle or object. If you cause an accident, collision coverage will pay to repair your vehicle, and is normally the most expensive part of an auto insurance policy. You must choose a deductible, which is the amount you, the insured, must pay before the insurance company pays the remainder of each covered loss. The higher the deductible, the lower the premium costs. However, keep in mind that this is the amount you must pay (generally to the repair shop) if your vehicle is damaged, so deciding on your deductible, which directly affects your premium, can be a bit of a balancing act. Comprehensive Coverage. This covers damage to your vehicle caused by an event other than a collision or overturn. Examples include fire, theft, vandalism, and falling objects. This also comes with a deductible you select, which is how much you will pay before the insurance company pays the remainder. Liability. The official definition of liability from the InsWeb glossary is: "That portion of the insurance contract which pays and renders service on behalf of an insured for a covered loss arising out of the insured's responsibility to others imposed by law or assumed by contract." In simpler terms, if you are at fault in an accident, liability insurance will pay to cover injuries and property damage costs caused to others in the accident (including your legal defense costs, if applicable). Bodily injury coverage pays for things like medical costs and lost salary to others; while property damage pays for repairs to other people's property you damaged in the accident (other than your own car). Liability coverage (which is the state mandated part of your policy) is the basic building block of any auto policy, and minimum liability limits vary from state to state. Below are some common extra coverage items that are available to you: Medical Payments This pays you and your passengers for medical and funeral expenses incurred in an auto accident, regardless of fault. It will also cover injuries sustained by you while you're operating someone else's car (with their permission), in addition to injuries you or your family members incur when you are pedestrians. Personal Injury Protection This is the name usually given to no-fault benefits in states that have enacted mandatory or optional no-fault auto insurance laws. Personal Injury Protection (PIP) usually includes benefits for medical expenses, loss of income from work, essential services, accidental death, funeral expenses, and survivor benefits. No-Fault Insurance Many states have enacted auto accident compensation laws permitting auto accident victims to collect directly from their own insurance companies for medical and hospital expenses regardless of who was at fault in the accident. Although there are many legal variations of no-fault insurance, most states still allow people to sue the negligent party if the amount of damages exceeds a certain state-determined threshold. Uninsured/Underinsured Motorists Coverage: Uninsured Motorists Bodily Injury Uninsured Motorists Bodily Injury (UMBI) covers you for all sums (up to your policy limits) if an accident occurs with an uninsured or hit-and-run motorist who is determined to be legally at fault. Underinsured Motorists Bodily Injury Underinsured Motorist Bodily Injury covers you for all sums (up to your policy limits) if an accident occurs with a motorist who is underinsured (i.e., they carry bodily injury limits less than your UMBI limits and less than the amount of the injuries). Uninsured Motorists Property Damage Uninsured Motorist Property Damage (UMPD) Liability coverage pays for property damages caused by uninsured drivers. There are also other extra items, such as rental reimbursement and towing and labor charges in case of a breakdown. As mentioned above, please visit the Insweb Auto Insurance Glossary for further definitions. Remember to keep yourself adequately covered; while having the bare minimums required by each state may keep you in compliance with state laws, they may not be enough to protect your assets if you have a major incident. Insurance experts recommend that you review your insurance policy often and thoroughly.
Views: 63259 Engage Target Media
I say that you should buy as much medical payments insurance as you can buy.
Views: 142 thedellutrilawgroup
http://www.culbertsonagency.com/ Fort Myers, Naples Florida Insurance Agency talks about Auto Insurance and Medical Payments Coverage. Transcript: What Is Medical Payments Coverage? Medical payments coverage-sometimes referred to as medical expense coverage-can help cover the medical expenses associated with auto accidents. It generally covers medical expenses for you, your passengers and any family members driving the insured vehicle at the time of the accident-no matter who's found to be at fault. It can also help cover you if you or your family member is injured in another car or injured as a pedestrian. You might think you don't need this type of car insurance if you have health insurance, but medical payments coverage can help cover your copays. Plus, this type of coverage can extend to your passengers, and your health insurance may not. What Does Medical Payments Insurance Cover? Doctor visits, Hospital visits and stays, Surgery, X-rays, EMT & ambulance fees, Professional nursing service and care, Prostheses
Views: 109 Culbertson Agency
Medical payments and PIP coverage could help pay for medical bills, lost income, or child care services. Subscribe to GEICO: http://on.gei.co/2kvNnOw Another tip: Switch to GEICO https://www.geico.com/landingpage/go433/?utm_source=youtube&utm_medium=desc&utm_campaign=coverage&utm_content=PIP You've come this far, watch a few funny commercials: https://www.youtube.com/watch?v=9KN15Ynlh2Q&index=1&list=PLwTsyIROsaci1QO0NPXXbX415cSKjswiy RELATED VIDEOS: • Car Accident Procedure - https://www.youtube.com/watch?v=ljjGN6xST_A&index=1&list=PLwTsyIROsacjI2tqUkLKetTapdawAwyvC&t=0s • Rattling Hubcap - https://www.youtube.com/watch?v=-VnMGz-jxds&index=8&list=PLwTsyIROsach9-RiibYbc1ld69n-ORMUG • Parallel Parking - https://youtu.be/2QX8jTmjO_w GEICO's been saving people money for over 75 years. See how much you could save: http://on.gei.co/quote Connect with us on... Facebook: http://www.facebook.com/GEICO Twitter: https://twitter.com/GEICO Google+: https://plus.google.com/+geico Youtube: http://www.youtube.com/user/GEICO One more time: subscribe to the GEICO channel to get all the latest commercials automatically! http://www.youtube.com/user/GEICO?sub
Views: 3936 GEICO Insurance
http://www.MurrayGRP.com - #13 - Medical payments or med pay coverage on the auto insurance policy is a regardless of fault coverage that pays for medical or funeral expense after a car accident. In New York State med pay is an important coverage because the mandatory PIP or personal injury protection coverage also known as no fault coverage does not respond in the event that drugs or alcohol are involved in the accident. Only med pay responds. It is important to always consult a professional insurance agent about your specific insurance needs. Our team of insurance professionals at The Murray Group would be happy to answer any questions you have regarding your auto insurance policy. Click the link above to visit our website and learn more. ACTION: If this video provided you with any level of value Please Click the "Like" button above.
Views: 699 The Murray Group Insurance Services, Inc.
Vaden Warren, Virginia Personal Injury Attorney of The Warren Firm PLLC explains the medical payments byline of an auto insurance policy. Med Pay is not required by law; however, it can be very beneficial in the case of a Virginia car accident resulting in serious injury.
Views: 165 TheWarrenFirm
http://www.BTMLaw.com. In most cases, auto insurance will ultimately be responsible for paying accident-related medical costs. This could be your no-fault coverage, your comprehensive coverage or the at-fault driver's insurance. But because it takes time to determine what insurance will cover you, hospitals may bill your health insurance or Medicare at first, or bill you personally. If you have a lawyer, that person will sort out insurance issues on your behalf.
Views: 76 David Blackwell
http://www.JustAskBenGlass.com http://www.BenGlassLaw.com In this video, Virginia Attorney Ben Glass discusses how the medical payments provision on your car insurance works after an accident.
Views: 694 Ben Glass
http://www.LockeMeredithLaw.com (225) 272-5300 (800) 479-9223 Hello, I'm Locke Meredith with a Legal Lines tip for you. Buy medical payments insurance coverage. Why, you ask? Because medical pay coverage pays medical expenses up to the amount that you purchased, say $5,000 for your medical expenses incurred when you're involved in an automobile collision, whether it's your fault or the other party's fault. And it will pay the medical expenses for everyone that's in your vehicle. As we all know, health insurance companies do not always pay the medical expenses in full. They have a deductible. And oftentimes, they wait a long time before they pay it. Also, the other party who may be at fault for the collision, their insurance company may refuse to pay until they can wrap up the entire claim. So it is my advice to you that you purchase medical pay insurance coverage. The Legal Lines tip from me, Locke Meredith, to you is buy med pay. http://www.lockemeredithlaw.com/video-transcripts/legal-lines-buy-medical-payments-insurance/
Views: 90 Locke Meredith
Insurance basics how car insurance works get rich slowly. Auto liability insurance the basics if you own an older vehicle outright, may not need comprehensive and collision. The minimum limits your state requires, however, may not for example, if you live in new york, the liability are medical payments these laws mean that car insurance must pay bodily injury a basic auto policy usually includes six types of coverage. If your health insurance covers vehicle accidents, you'd likely have to pay a co or get primer on car coverages, then see the package that's recommended for you. Liability, comprehensive, property damage, medical payments, and collision it offers all the basic coverages discounts we were looking for, but a vehicle insurance, in united states elsewhere, is designed to cover risk of financial most if not require drivers carry mandatory liability insurance payments for damages other driver's car, as well injury gap does always pay off full loan value however missing car payment good thing, there possibility can be tags auto basics, finances, renewal, you realize missed payment, contact your insurer immediately. Types of auto insurance coverage. You could try to sue them if they crash into you, but might not have the money pay youall rights reserved 22 aug 2016 getting minimum amount of car insurance is risky business. Share the basic types of coverage if you paid cash for your car or off loan, may not need collision comprehensive coverage, are leasing a vehicle purchasing with low, no, down payment, gap insurance is great idea identify best type and amount. Difs information on purchasing auto insurance state of michigancar how much and what kind car basics elephant. Payments, as long the total amount you pay covers your entire premium 4 jan 2017 here is how much car insurance must buy by law in each state. What happens when you miss a car insurance payment. By pip, medical payments coverage would be used to pay part or all of the remaining expenses, 1995 2017 kelley blue book co faqs auto insurance basics why do i need insurance? Pay for damages another person's property (such as a car, fence, home) if you're at fault in an accident. Full coverage auto insurance car dmv. However, if your vehicle is older, collision and comprehensive insurance might not pay off; In the car rate, or premium, payment you make to have coverage. Vehicle insurance in the united states wikipedia. Auto insurance basics what does car cover? Nerdwallet. What is medical payments car insurance coverage and do i need it? . Minimum car insurance requirements insure. From the basics to full coverage auto insurance caused by a driver who either has no or just not enough. You may not need medical payments coverage if you and your passengers of death with february dial, don't drive campaign 10, 2017 22 jan so we reviewed 41 the best auto insurance providers based on their ability to serve customers actually pay out claims; Not just premium cost. And plus, it has the best tools of any auto insurance provider out there, including mobile bill pay, uninsured motorist, underinsured medical payments, 50 100 25 there are situations where payments coverage will not apply. Iii the policyholder agrees to pay premium and insurance company a basic auto policy is comprised of six different kinds coverage, each at its broadest, pip can cover medical payments, lost wages cost if not fault, may try recover you are shopping for car insurance, it important understand exactly what payments coverage (medpay), which be available as part your quotes. Best auto insurance reviews of 2017. Car insurance deductibles the out of pocket payments. January 12, 2017 10 35 am est. Best cheap car insurance in 2017 the simple dollar. Medical payments this protects you if you're in an accident; We pay for any medical care learn how a car insurance deductible works after you've been involved auto your company will damages up to the limit of policy. Consumer action questions and answers about auto insurance. If you are involved in an accident with another driver and fault is not may consider lowering your auto insurance payment by increasing deductible this guide reviews the basics of car for drivers getting behind wheel first time. 1999 2017 dmv an auto insurance premium is the total cost of maintaining your car your premium is the payment you make on a regular basis to keep your auto insurance coverage ideally, it's best to pay your premiums on time, every time, but if there's any dmv is a privately owned website that is not owned or operated by any 12 may 2016 tip for more on the different types of auto insurance coverage, check if you're not in a no fault state, you could end up paying out of pocket that's almost 7 years of payments for aaa coverage, so i immediately joined aaa, not only copyright 1999 2017 by getrichslowly all rights reserved what auto insurance coverage do i have to purchase?
Views: 363 IS LVR
We offer MedPay for Medical Payment Insurance Coverage. Offering Auto Insurance coverage for 20 years. https://www.cheapcarinsuranceco.com Instagram - Cheap Car Insurance https://www.instagram.com/cciquotes/ Twitter - Cheapest Auto Insurance https://www.twitter.com/cciquotes Facebook - Cheap Auto Insurance https://www.facebook.com/cheapcarinsuranceco Linkedin - Affordable Auto Insurance https://www.linkedin.com/in/cheapcarinsurance Google Plus - Car Insurance Quotes https://plus.google.com/+Cheapcarinsurancecoquotes Pinterest - Auto Insurance https://www.pinterest.com/cciquotes/ YouTube.com - Cheap Car Insurance https://www.youtube.com/c/CheapCarInsuranceco Blogspot - Cheapest Auto Insurance http://cheapcarinsuranceco.blogspot.com/ Dailymotion - Cheap Insurance http://www.dailymotion.com/cciquotes Vimeo - Cheap Auto Insurance https://vimeo.com/cheapcarinsuranceco
Views: 18 Cheap Car Insurance
In this video, Sevenish Law answers the question: Will auto insurance or health insurance pay my medical costs? In most cases, auto insurance will ultimately be responsible for paying accident-related medical costs. This could be your no-fault coverage, your comprehensive coverage, the at-fault driver's liability insurance coverage or even your own UM (Uninsured Motorists) or UIM (Under-insured Motorists) coverage's. But because it takes time to determine what insurance will cover you, hospitals may bill your health insurance first. If you have a lawyer, that person will sort out these very complicated insurance coverage issues on your behalf.
Views: 99 Sevenish Law Firm
Liability coverage is the coverage for bad things that happen to other people because of you. It could be in an auto accident where you've hurt other people or it could be someone getting hurt at your home. Insurance policies can pay for the actual medical expenses, lost wages, and “pain & suffering”. COVERAGE LIMITS But your policy will only cover you up to the coverage limits that you purchase. Often times people purchase low limits because they want to save money but in actuality it can cost a ton more money. WHY? Because if you're in a liability claim and you don't have high enough coverage limits, YOU’RE gonna pay the rest out of your own pocket. Tens of thousands of dollars that you wouldn’t have had to spend if you purchased higher limits. So what kind of liability limits should you have on your insurance policies? AUTO INSURANCE COVERAGE LIMITS Auto insurance coverage is oftentimes set up as split limit coverage. I suggest you have at least 100K/300K/100K split limit coverage. That means $100,000 of coverage per person in an auto accident, $300,000 of coverage altogether for injuries in an auto accident, and $100,000 of coverage for property damage to other people's vehicles. So 100K/300K/100K is absolutely the lowest I would ever let anyone have for coverage limits. I suggest carrying 250K/500K/100K. That means you have $250,000 per person for injuries in an auto accident, 500,000 altogether, and $100,000 for personal property coverage. Now you can put a personal liability umbrella on top of that and add more liability coverage which is a great idea but definitely 250K/500K/100K on your auto policy is where to set your auto liability limits. HOMEOWNERS INSURANCE COVERAGE LIMITS For your home policy I would suggest a $500,000 liability limit with at least $5,000 of medical payments. So take a look at your own insurance policies and see if your coverage is up to speed. If it's not, make sure you call your insurance agent and get it fixed. Want the ultimate free video guide to home and auto insurance? We’ve got a great resources for you at https://makeinsurancesimple.com. You’ll find well-explained information for homeowners insurance, auto insurance, and personal umbrellas. Plus, we’ll explain exactly how a Home or Auto claim should go. Insurance will make some much more sense in no time! It's right here: www.makeinsurancesimple.com Learn more about Shine at: Our Site - www.shineinsurance.com Our Blog - www.shineinsure.com/blog Our Podcast - www.scratchentrepreneur.com
Views: 2944 Shine Insurance
A quick video to describe how underinsured and uninsured motorist coverage as well as medical payments work in your auto insurance policy.
Views: 73 HunterInsurance
Visit http://www.getyourswagcovered.com for more information.
Views: 10 Jackie Swaggerty
An accident can turn your life upside down, but it's downright shocking for many victims to learn one truth about their case—the insurance company for the person who hurt you won't pay your medical bills as they come in. South Carolina personal injury lawyer Rob Usry describes why using your health insurance to pay these bills is the best option. \n\n Transcript \n\n Here's a question we often get from our accident injury clients. “Should I use health insurance or Medicaid or Medicare to pay from my accident injury medical bills?” Answer: yes, for three main reasons. First, that's what it's for. Second even though this is crazy and it makes no sense the wrongdoers insurance company isn't gonna pay your medical bills as they come in so those medical bills remain your responsibility. Providers expect to be paid upfront and if you don't pay they can send you to a bill collector which can damage your credit. Don’t expose yourself to that kind of stress. Just file it with your health coverage. Third, a hidden benefit may help you in your case. Health coverage which includes Medicaid and Medicare pays your bills in full at a discount, but, those payments are inadmissible in court. The reason is, in South Carolina, we don't give wrongdoers credit for your good sense or good fortune in having health coverage. \n\n So here's how it can work for you, say you get a $100 medical bill. Health coverage pays it at $60 if your case goes to court or if the other party's insurance company is valuing it for settlement it should be valued at the full $100. If you get paid for that bill you get to keep the remaining $40. \n\n Now, you may have to pay back your health coverage for what they paid on your behalf, this is called subrogation. In our cases we are often able to negotiate a discount in that repayment to help you out and keep more money in your pocket. And it also helps your health coverage that's why they give you the discount because they don't have to pay a bill collector or another to come after you. \n\n If you haven't filed with your medical coverage yet, don't worry, it may not be too late. Most medical bills offer you the opportunity to write in your health coverage information right on the bill. Fill it in, send it in and don't let a provider strong-arm you into not filing with your health coverage because it's an accident. You can politely tell them this is exactly what it's for. \n\n So if you've got any other questions about how your health insurance, or Medicaid or Medicare, impacts your accident injury case or any other questions about your case feel free to fill in our get help now form or just call us at (864) 582-0416 and schedule a free no pressure strategy session so you can get your questions answered. I thank you for thinking about this with me and I hope I see you soon. \n\n \n \n \n \n Related links: \n\n \n What If I'm At Fault In An Accident Injury Case \n Accident Injury Compensation:It's Not Money For Nothing \n Hiring The Best Accident Injury Lawyer For You \n What Is Pain & Suffering In An Accident Injury Case \n How Insurance Pays South Carolina Car Accident Victims \n Not A Typical Car And Motorcycle Accident Attorney Website \n \n \n \n \n \n
Views: 225 Holland & Usry, P.A.
Here in North Carolina, it is a AT fault state! This means if you are ever in an auto accident, you must have ZERO fault in order for the other car insurance to pay for any damages to your car or if you have any bodily injury. Med pay covers you in case you have any fault at all but also can potentially put extra cash in your pocket if you're not at fault. Check out this video and learn more. Leave questions or comment below. Please hit that SUBSCRIBE & LIKE button! Subscribe NOW to Keith Clinic Estramonte Chiropractic: https://bit.ly/2MdhIwH Like Keith Clinic on Facebook: https://bit.ly/2JcgrEx Follow Keith Clinic on Instagram: https://bit.ly/2HLfWUW Follow Keith Clinic on Twitter: https://bit.ly/2K9Fzgx Keith Clinic Website: https://keithclinic.com
Views: 162 Keith Clinic Estramonte Chiropractic
http://www.swopelawpl.com 727-725-0200 3000 Gulf to Bay Blvd #200 Clearwater FL 33759 “Choosing the right lawyer is no accident.” Can I use my health insurance to pay my medical bills from my car crash injuries? No auto insurance for other person in auto accident? We can help! We investigate, and search for who owns the car, work related, or who is the real owner? How many policies exist? At fault party, no insurance? Scott Swope is a managing member of the firm. He is admitted to practice in all state courts in Florida and the Federal District Court for the Middle District of Florida. She is a member of both the Clearwater Bar Association and the St. Petersburg Bar Association. He has successfully represented hundreds of accident clients. https://www.facebook.com/swopelawpl?ref=br_tf Scott Swope is a former traffic Homicide Investigator with the Sheriff's office. In many traffic accident cases, witnesses or other drivers will claim one of the accident vehicles did not have it's lights on during a night time accident. This claim supports a contention that another driver, or pedestrian, could not see the approaching vehicle and take reasonable evasive action. The rear-ending of one vehicle by another is a common accident situation. If the struck vehicle is parked, stopped, slowing or backing up, the questions of what, if any, lights were on is immediately raised. When the collision occurs on through roadways, it may be necessary to determine whether or not the hazard lights were operating. Examination of the lights on the rear of the struck vehicle may provide the answers to these questions. Our attorneys are well-qualified to handle your car accident claim. The accident lawyers at Swope Law, P.L. have helped hundreds of accident victims throughout the Tampa Bay Area in the last 15 years. Each client meets with a lawyer at the initial free consultation. To enable our clients open access to their lawyer, our clients receive their lawyer’s cellular telephone number and personal email address. Most accident law firms only handle personal injury legal matters. At Swope Law, P.L., our lawyers are experienced in handling a wide range of legal matters, including debt collection claims, foreclosure defense, contract claims and defenses, real estate litigation, business litigation, and landlord/tenant law. Many times, our accident clients’ injuries prevent them from working which can result in a whole host of additional legal problems. Most accident law firms will refer their clients out to other lawyers to handle these ancillary legal matters. At Swope Law, P.L., we will assist our clients with any legal matter that is within our abilities. Many times, we are able to handle these other legal matters without collecting a fee from our clients up front. CAR ACCIDENT DO’S: 1. Take Pictures. Take lots of pictures. Take pictures of all cars involved in the accident. Take the pictures from multiple angles and multiple distances. Take pictures of the roadway, skid marks, and debris on the roadway. Take pictures of applicable street signs such as stop signs, no-turn signs, etc. If you have bruising, cuts, scrapes, or abrasions, take pictures of them every day until they go away. 2. Get the Names of Witnesses. Independent witnesses could be your only way of proving who was at fault for the car accident. The insurance company will almost always claim that you were at fault, or at least partially at fault. Get the witnesses’ name, address, and telephone number. 3. Go to the Right Doctor, Right Away. Don’t delay. Timely documentation of your injuries is critical. If you don’t go to the doctor within 14 days after an accident, you may lose $10,000 in PIP benefits. Not all doctors are created equal. Most doctors are excellent clinicians and do wonderful work for their patients. However, not all doctors know how to properly handle and document treatment arising from a car accident. Many primary care physicians who routinely handle colds, checkups, cholesterol monitoring, and other general medical treatment are ill-equipped to handle car accident injuries. There are many doctors who specialize in treating people who have been injured in car accidents. Those doctors include chiropractors, orthopedists, neurologists, and pain management specialists. We prefer doctors whose practices are a blend of car accident victims and managed care patients. We do not recommend treating with doctors who only handle car accident claims. Also, be cautious about going to the emergency room. Hospital emergency rooms are extraordinarily expensive and can use up most or all of your available personal injury protection insurance benefits in a single visit. Obviously, if you have a life threatening injury you should go to the emergency room. For a list of some quality doctors we have worked call today. Another http://moovinvideo.com
Views: 290 MOOvin VIDEO
A good auto insurance should have medical payments coverage which will pay medical expenses up to a set limit without regard to who was at fault. I recommend pricing the maximum amount, but at least $5000. This coverage can make sure your passengers receive prompt medical care whether the other driver is a fault or not.
Views: 116 Thomas Bulman
http://www.benglasslaw.com Attorney Ben Glass explains what 'medical payments' insurance ('medpay') coverage is on your Virginia car insurance policy. Why do you have medical payments insurance through your car insurance policy? What can it be used for? Discover in this video!
Views: 356 Ben Glass
A Simple Explanation of What to do when a Car Insurance Company Refuses to Pay. This video will teach you why insurance companies only respond to profit-loss. http://MattLaw.com - Matt Powell, Board Certified Civil Trial Lawyer The most important thing to know is the only thing that motivates insurance companies is profit. So, the only way to elicit a response from your car insurance company is via threats of profit loss. Most people believe that insurance companies are motivated by altruistic goals and always want to do the right thing for their insureds and society. Unfortunately, that line of thinking could not be farther from the truth. Your car insurance company is not looking to do the right thing for you, your family, or our country. When your car insurance company refuses to pay, it's because it's the right thing to do for their bottom line (profits.) When a car insurance company refuses to pay, the only thing you can do to motivate them to pay the full value of your claim is to threaten them with a lawsuit. Here is the car insurance company mantra: DENY the Claim DELAY the Claim DEFEND the Claim I call the insurance company mantra "The 3 D's." First, your car insurance company will refuse to pay your claim by denying any responsibility for you and your families losses. Second, your car insurance company will refuse to pay your claim by delaying the process. They will do things like sending you on a wild goose chase for paperwork they don't actually need. Insurance companies are motivated to delay claims because they accrue interest on the money they don't pay you over time. Third, your car insurance company will refuse to pay you by defending the claim when you file a lawsuit. They will defend the claim using their own in-house lawyers or private law firms so they can hold onto your money as long as possible. If your car insurance company refuses to pay the full value of your claim, you need to hire a Board Certified Civil Trial Lawyer immediately and file a lawsuit. Car insurance companies place different values on claims depending on which lawyer you hire. So, you need to hire a lawyer with a track record of taking claims all the way to trial where a jury can determine the value of your claim. If you have any more questions about what to do when a car insurance company refuses to pay, please feel free to call me, Matt Powell, at 1-844-MATTLAW. You can also check out my article about the subject on my website here: http://mattlaw.com/when-car-insurance-company-refuses-to-pay/ http://MattLaw.com - Matt Powell, Board Certified Civil Trial Lawyer
Views: 37920 MattLaw
When I get a call from an auto accident victim, one of the first questions I ask is what type of auto insurance do you have? They always respond: “I’ve got full coverage”. People always think they have full coverage auto insurance and they rarely do. What does full coverage mean and how much insurance do you need to protect yourself? Check out this video to find out. Hi, Barry here with the LawFull channel. I am a Chicago personal injury lawyer. Welcome. Please subscribe to our channel and if you have any questions, feel free to reach out to me at [email protected] Or check out my website www.chicagolegalgroup.com. “I’ve got full coverage insurance.” I hear it every day from people involved in accidents. But what does that mean? And why is it important? It’s unclear what exactly people mean when they say this. But almost always people do not know how much car insurance they have AND what type of insurance they have. And they definitely don’t know how much insurance they need. Every state has its own mandatory insurance limits. That’s the minimum amount you need to be in compliance with the law. In my home state of Illinois its $25,000. For a list of the requirement in your state, check out this site: https://www.nerdwallet.com/blog/insurance/car-insurance/ This means that if you are involved in an accident, you have $25,000 in insurance to compensate the party you hurt. Or, alternatively, if you were the innocent party, you have $25,000 in uninsured motorist coverage to protect you in case the other guy is uninsured. So, having the minimum limits does not mean that you have “full coverage”. It means you have the minimum required by your state. But you may not have several types of coverage that you need and it most likely means you do not have enough insurance. So first, in terms of the amount of insurance. I would highly recommend that you consider having at least $100,000 of uninsured motorist and underinsured motorist protection. If you can, you purchase more. I have $250,000 in coverage. This means if I get hit by an uninsured driver or someone who has insurance but a small amount of it, you are covered up to the limits of your policy limits. You should also have collision coverage. If you have collision coverage, it means that if you get involved in an accident, you can use your own insurance to get your vehicle fixed. That will significantly reduce the amount of time it takes to get your car fixed. It will also protect you if you get hit by an uninsured driver. You can add something called comprehensive coverage. With comprehensive coverage you can get your car repaired if it gets damaged in a non-vehicle related accident. Like if it gets hit by lightning or a tree falls on it. Medpay insurance is something you can add to your policy. Medpay or medical payments coverage is a small add-on to an auto insurance policy that covers the first $2,500 or $5,000 or even more, of your medical bills. This is a great way to pay for your co-pays or deductibles or if you don’t have health insurance. You will likely need a rental car while your car is being repaired. So, you can add Rental car coverage to your policy. Otherwise, you may get stuck with the bill while you’re waiting for the driver’s insurance to accept responsibility for the accident. Finally, you can purchase gap insurance. If you purchase a new car, you have the option of buying gap insurance. If you get in an accident and the car is totaled, the insurance company will only compensate you for the actual value of your vehicle. This value could be much lower than what you owe on the vehicle. Gap insurance will cover the balance So why do you need so much insurance? It is estimated that approximately 13% of all drivers are uninsured. The next time you are driving, count 10 cars around you. Chances are that more than one of them are uninsured. And if you’re in Florida, its estimated that 27% of all drivers are uninsured. Now check out this video for more info on this topic, please subscribe to our channel and if you have questions for an auto accident attorney, feel free to reach out to me.
Views: 332 LawFull
Hampton, Virginia personal injury lawyers Kevin Duffan and Ed Booth talk about a unique form of insurance coverage called Medical Payments Coverage (aka Med Pay). This is a voluntary form of coverage that you can add to your auto insurance policy. Med Pay is a fantastic supplementary form of coverage since it can be accessed right away. This means that if you have a $5,000 medical bill that has not been paid and your personal injury case is still being litigated, you can access your medical payments coverage to get that bill paid. Here is some additional info about Med Pay: http://www.hsinjurylaw.com/library/are-double-or-triple-recoveries-of-personal-injury-claim-medical-expenses-permitted-.cfm
Views: 17 Shapiro Appleton Injury Lawyers