Medical treatment costs for auto accident injuries are often a financial wrecking ball. However, Medical Payments Coverage in Nevada may help alleviate some of the worries of such unexpected and unfortunate incidents. Medical Payments Coverage (also known as “Med Pay”) are additional coverages to your existing auto insurance. Regardless of fault, Med Pay can cover medical bills if you’re in an accident.
Despite years of loyal, on-time premium payments by policyholders, insurance companies are notorious for refusing to pay reasonable reimbursement. Hence, it is imperative to get legal assistance as soon as possible following a car accident to seek fair compensation. Roebuck Law Firm is an accomplished personal injury law firm in Nevada. We will explore all available options to secure the highest compensation you deserve.
Expenses Covered in Med-Pay Coverage in Nevada
According to Nevada law NRS 687B.145(3), all auto insurance companies must offer at least $1,000 in medical payments coverage in Nevada. However, the policy holder need not purchase such coverage. If one wants can ask for higher coverage limits. Med Pay provides cover for all reasonable and necessary medical expenditures up to the policy limits resulting from a car crash. The expenses may include:
- Medical & Hospital bills
- Surgery costs
- Doctor visits
- Ambulance cost
- Physical therapy
- Chiropractic care
Med Pay does not cover car repair bills, property damage, or loss of wages. Medical bills that exceed your Med Pay policy limits are also not covered in this coverage.
Benefits of Med Pay in Nevada Auto Accident Cases
With just a few bucks a month more, one can have good medical payments coverage. Here are some advantages of opting for Med Pay:
- No-fault coverage: Even if the policyholder is at fault for the accident, they can still be compensated by Med Pay.
- Inexpensive: Lower premiums than other insurance coverages. Claims against Med Pay will not increase your auto insurance premiums after the crash.
- No deductible: With no deductibles or co-payments, Med Pay is an excellent alternative to personal health insurance and other out-of-pocket expenses after an accident.
- Immediate benefits: Can be claimed immediately with no waiting period after the crash.
- No subrogation: Med Pay benefits are not required to be repaid by the victim like health insurance.
Contact Us to File a Claim in Nevada
An attorney can help you negotiate with the insurance company to get your claim accepted and paid smoothly. At Roebuck Law Firm, we have expertise in dealing with insurance companies. With our extensive knowledge, we will fight to get you compensated. Call us today for a free consultation at (702) 620-5000.
