Med Pay and UIM Insurance in Terre Haute Car Accidents

When you are injured in a motor vehicle accident, one of the first things you need to do is confirm how much of your expenses are covered by your own insurer. There are two primary types of medical payment car accident insurance coverage: personal injury protection (PIP) coverage and medical payments (Med Pay) coverage. Indiana is not a PIP state; it is a Med Pay state, though you are not required by law to have this coverage.

However, it is an option that you can discuss with your agent. You should consult Fleschner, Stark, Tanoos & Newlin about how Med Pay Insurance is used in Terre Haute car accidents.

How Med Pay Coverage Impacts a Car Accident Case

Med Pay coverage in Indiana generally has a wide range. For example, there could be $1,000.00 of Med Pay coverage, or there could be $100,000.00 of Med Pay coverage available. In the event of a car accident case, your medical bills could be covered up to the specified amount. For individuals who do not have health insurance or are struggling to cover their medical bills, Med Pay coverage can be helpful. It t provides another avenue for clients facing expensive medical bills.

What Happens If You Don’t Have Med Pay?

For car crash victims in Terre Haute without Med Pay, it usually means looking at other ways to cover some of their medical bills. For example, underinsured motorist (UIM) coverage is designed to compensate injured parties for the lack of liability coverage of the at-fault driver. UIM can take effect when the liability carrier of the at-fault driver does not have enough coverage to compensate the injured party.

If someone does not have UIM coverage, it can significantly impact the situation. At Fleschner, Stark, Tanoos & Newlin, we highly recommend that most individuals opt for high UIM coverage. This type of coverage does not cost much—typically only $20 more on a monthly bill. If you are hit by someone without insurance, this coverage will help to compensate you.

Indiana law states if plaintiffs do not follow certain steps, they will waive their UIM coverage that is available. We can help  plaintiffs  utilize all the coverage they have available.

Common Misconceptions About Med Pay and UIM Coverage

One of the main misconceptions people have about coverage is that it is expensive. Typically, if you work with an agent, you will find an affordable option. We generally encourage our clients to opt for high Med Pay coverage and high UIM coverage. If they are hit by someone in Terre Haute with very minimal insurance—or none at all— a high UIM can be helpful.

Often, we have cases where drivers experienced significant injuries, leading to six-figure medical bills. When they are hit by a driver with just $25,000 worth of coverage, that is not going to go very far. However, if they have high UIM coverage, they are likely in a much stronger starting position.

Call Our Terre Haute Attorneys to Discuss Med Pay and UIM Coverage After a Car Wreck

Med Pay coverage will pay your medical bills up to a certain amount, while UIM compensates you for the lack of the liability coverage of the driver. Many clients ask why their insurance should be involved when they were not at fault for the collision. However, they pay premiums to have this coverage and using it will not be a negative mark on their insurance history.

Insurance coverage involving UIM or Med Pay can be complicated. Our lawyers can help you understand the coverage and maximize the amount of money you could get in a personal injury claim. At Fleschner, Stark, Tanoos & Newlin, we know how insurance companies operate and will educate you on your Med Pay or UIM insurance after a car accident in Terre Haute.