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Magnificent Med Pay…

By Evan L. Kaine

We’ve all heard the adage that goes “you have to spend money to make money.”  Let’s be honest, that is usually meant to make someone feel better about an expense that makes them buy stock in Pepto-Bismol.  Well, I have another adage that goes like this “if you spend a little money on Medical Payments Insurance Coverage, you could save a lot of money on medical bills related to a car accident.” I know, it’s not as succinct as that other, more popular, adage.  But, it is just as important…and just as true.

My adage refers to Medical Payments coverage under your own Georgia car insurance policy.  In most cases, you will pay a little money for a lot of coverage.  Yes, every penny counts nowadays, but let me show you how this is a benefit and not just another expense…

If you are injured in a car accident, medical bills add up quickly.  Ambulance. Emergency Room. Chiropractor. Maybe a specialist.  These bills could easily total $20,000.00 or more.  If you have health insurance and don’t mind paying copays – and you have met your deductible – you can use that (but you may have to pay them back).  However, if you have $25,000.00 in medical payments coverage, you can use that to pay your bills with no copays, no deductible and no one to reimburse.

In my case, I pay approximately $78.00 per year for $100K in Medical Payments insurance coverage through my auto insurance company.  The premiums for Medical Payment insurance coverage will vary between insurance companies, so take a few minutes out of your day and find out how much you would have to pay for the coverage.

The fact is, we all pay for things we end up not using (take a look at your garage if you don’t believe me).  Regretting that snowshoe purchase is something you can live with.  Regretting that you have $20,000.00 in medical bills and no way to pay them is something you do not HAVE to live with.

Contact Kaine Law if you would like more information about this article.


Published July 15, 2014


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