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To file a Med Pay claim, start by notifying your car insurance company of the accident and giving your health care provider the details of your policy. Many hospitals and doctors will bill auto insurance policies directly, and even if they don’t, you will be reimbursed by your insurer.
If you have health insurance, you can use it to immediately cover your bills while you wait for your Med Pay claim to be approved. In some cases, your car insurance company will work directly with your health insurance to coordinate payment, meaning you won’t have to be heavily involved in the settlement process.
How to File a Med Pay Claim
- Contact your insurer as soon as possible after the accident.
- Give the health care provider information about your Med Pay policy, as well as any health insurance you have.
- Ask the health care provider if they will bill you or the insurance company if you’re in non-emergency care.
- Document all of your medical expenses to send to your car insurance company if the health care provider is billing you directly.
- Consider hiring a personal injury lawyer to assist you in dealing with insurers and health care providers.
To learn more, check out WalletHub’s guides to Med Pay and filing a car insurance claim.
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