Medical Payments Coverage (also known as MedPay) is intended to be a small, fast-acting insurance policy that helps cover some of the immediate medical costs surrounding an accident. MedPay can help pay portions of your copays and deductibles immediately following a car crash, meaning you don't have to dip into your pockets before the dust has settled.

Ultimately, the person responsible for the accident will have to pay your medical bills (via his or her insurance), but insurance claims can take months, even years to settle, and even then you might not be fully compensated. For that reason, it's a good idea to look into Medical Payments Coverage as a part of your insurance portfolio.

Why else should you look into MedPay?

Doctors and other medical professionals get paid quickly. You want your medical treatment and your recovery process to be as smooth as possible. You don't want to be thinking about your health and your bills at the same time if you can avoid it. MedPay can help take care of everything in the early stages so you can focus on more important things.How are your medical bills paid after an accident?

Avoid deep out of pocket costs. While you're waiting for your claim to be settled, you can't afford to put your life and your financial planning on hold because of an accident. MedPay can help ensure that you're not ruining your financial situation before your case has even had a chance to develop.

Co-pays. After a serious accident, co-pays can range in the tens of thousands of dollars. If that's not a financial possibility for you, you need insurance that will cover for you in your time of need.

The other driver may have no insurance. Believe it or not, it is perfectly legal to drive in Virginia without car insurance. These uninsured motorists choose to pay to the DMV instead. This means if you are in an accident with an uninsured driver, you could be stuck with a chunk of the bill! MedPay and Uninsured Motorist Coverage can help save you from a tough spot.

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney