Alabama Car Wreck: What is Medical Payment (MedPay)?
If you have been in a wreck in Alabama, you should have "Medical Payment" (Medpay) insurance with State Farm or Allstate or whoever you have your policy with. This is a very valuable but often unknown benefit that you have been paying for and that you are entitled to use.
Normally this benefit is available in $5,000 or $25,000 amounts -- you can read your policy or call your agent to find out the exact amount you have.
This covers medical bills when you have been in a wreck -- regardless of who is at fault. You simply show you were in a wreck and have medical bills that are related to the wreck.
In handling Alabama car wreck cases for over 17 years, I don't recall one time having to fight with an insurance company over medical payments.
So if you have been in a wreck, keep up with all of your out of pocket expenses. Mileage to doctors. Pharmacy bills -- get a printout from your pharmacist. Copays. Deductibles. Physical therapy bills. Etc.
Send them into the adjuster of your insurance company and let him or her know you are making a claim for your med pay.
If you live in Alabama and have a question about your Alabama car wreck (and you don't have a lawyer), feel free to call us at 205-879-2447 and we'll be glad to set up a meeting in person or by phone.