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Why should my insurance pay medical bills? |
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Missouri law allows you to collect from both liability insurance and under your med pay coverage. Since you paid a premium for the med pay coverage, you should receive the benefit of that coverage. The insurance company for the party who caused your injuries is still responsible for 100 percent of the damages resulting from the accident. The liability insurance carrier does not get a credit and cannot reduce your recovery based on the fact that you had the foresight to purchase med pay coverage. By submitting the bills under the med pay portion of your policy, the net amount in pocket to you will be greater.
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