What Is Med Pay or Medical Payments Insurance Coverage in a Premises Liability Case?
I’ve taken a lot of space in these guides describing the various factors that go into an intelligent assessment of the “value” of a case. I’ve said it numerous times, but it bears repeating: The availability and amount of liability insurance are often hugely import factors in a value assessment. Are there other coverages? We’ve discussed some in other guides [e.g. uninsured or undersinsured motorist coverages]. Businesses and property owners often have another coverage on their policies: “medpay” or medical payments.
MedPay is no-fault insurance coverage carried by businesses that offers a source of payment for medical bills on a no-fault basis.
Seasoned Personal injury and accident lawyers Attorney Eric T. Kirk in Baltimore, MD are well aware that medpay can add some value to a personal injury case.
For example, and by way of illustration, assume there is a slip and fall type injury. There is commercial liability coverage that well exceeds the reasonable value of the case. If the claim adjuster is willing to extend $1000 in medpay, as well as intelligently discuss a settlement under liability coverage, then you’ve got an extra $1000 to apply to medical bills, and, correspondingly, an extra $1000 in value on the claim. Perhaps the most important factor about medpay is that one does not need to prove fault to qualify for it. It is a separate coverage from fault-based liability coverage. This is significant as well. A claims adjuster who has a relatively modest or skeptical liability assessment may nevertheless may be able to get the bills paid without an admission of liability.
I’ve handled hundreds of accident claims over the years. I propose an initial legal assessment of a claim and a client conference, all without charge, to anyone who has suffered an injury in any accident. Contact me today to begin the process of your financial recovery.
- Baltimore Personal Injury Trial Lawyer Eric T. Kirk
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For over three decades, I have battled against the nation’s largest insurance companies, always endeavoring to ensure my clients receive the compensation they deserve. As lead counsel in thousands of cases across Maryland, New York, and Florida, I have recovered millions for clients whose claims were wrongfully denied and delayed. Whether denying fair compensation for a personal injury victim or denying benefits to a homeowner, Insurance companies employ policy exclusions, technicalities, and lowball offers to deny and defeat claims. They also hire very good lawyers to fight you in court. So should you. When an insurance company unfairly rejects a claim, I stop them.
