The law has changed with reference to Medical Payments (“Med Pay”) benefits to cover medical expenses as a result of injuries sustained in an automobile accident.
Before the new law, if you had sustained injuries in an automobile accident, your automobile insurance company would pay the first $2,000 in medical bills and/or lost wages under your Personal Injury Protection (“PIP”) benefits. If you had health insurance coverage, the remaining medical bills would be submitted to your health insurance company. If you had a claim against a third-party and recovered damages, the health insurance company would have to be paid back out of your settlement. The result would have been that you would receive that much less in your pocket.
The new change is significant in that after the first $2,000 has been paid by PIP, the remainder would be paid by Med Pay if you carried this optional coverage. If your claim against a third party were settled, the Med Pay benefits would not have to be paid back, which would result in significantly more money in your pocket. Since this optional coverage can be purchased through your insurance agent at a very low premium, I strongly urge you to call your insurance agent and add this coverage to your policy.
Ianello & Brittain P.C. located in Western Massachusetts, with offices in Springfield, represent you in personal injury and criminal cases.
