One of the most pressing problems victims of Springfield Missouri car accidents run into is how to pay for the medical treatment they need. Many people are shocked and dismayed to learn that the other driver's insurance company will not immediately cough up money for treatment as it is received, even if that other driver is clearly at fault.
Frankly, it can take weeks, months or even years to receive an insurance settlement for damages, depending on the severity of the accident and how clearly liability can or cannot be proved. It is likely that Springfield accident victims will have to start off paying their medical bills out of pocket or from another source.
Obviously, you can use your own personal medical insurance for this purpose--that is why you are paying for it. But what happens with all the Missourians who currently have no medical coverage? Medical expenses from a car or truck accident can stress your income and family savings.
For this reason, Springfield personal injury lawyers always recommend that Missouri drivers carry medical payments insurance. This optional coverage on your auto policy, also known as "med pay", will pay for reasonable and necessary medical costs up to the limits you purchase in the policy. Limits typically are $ 1,000 to $ 5,000; however, we have seen limits as high was $100,000. Med pay covers you as well as any family members or passengers in your vehicle who are injured during the accident. For example, if you have $ 5,000 in coverage, there is $ 5,000 for each occupant in your car. Fault does not play any part in this coverage, so it doesn't matter who caused the accident. If you caused the accident, you can still recover.