What Is Med-Pay Coverage? It's A Bargain.

Connecticut long had no-fault coverage on every auto policy. It covered the first $5,ooo. of medical bills regardless of fault. In 1994 no-fault was abolished and replaced with a voluntary med-pay provision. Voluntary means you have to ask for it or your agent, if you have an agent, has to recommend it. In 1994 an argument could be made that no-fault was duplicative because generally Connecticut residents had health insurance. Now with so many people uninsured, med-pay is more important than ever. Even if you have good health insurance today, it may not be there tomorrow. The auto insurance companies have no interest in selling you this coverage. It is inexpensive relative to the benefit. It is often where GEIGO and PROGRESSIVE "save" you money on your policy. It pays for doctors, physical therapy and diagnostic studies like MRIs. After you read this do three things: Look at your policy to see if you have med-pay. How much do you have and what does it cost? Call an independent insurance agent and see what it will cost if you add it. Add the most you feel you can afford. It is a bargain. Michael Quinn, Esq.