Medical Payments Coverage in Las Vegas
Being injured in a Las Vegas car accident can take a tremendous physical and financial toll on your life and livelihood. Getting proper treatment often means accumulating thousands of dollars in medical bills while losing income from time off work. The combination of these two factors can put enormous pressure on any individual or family.
Thankfully, there’s a remedy for certain Nevada car accident victims who need compensation quickly after a crash — Medical Payments coverage (Med Pay) under their car insurance policies. If you’ve recently been involved in a crash, a car accident lawyer in Las Vegas at THE702FIRM Injury Attorneys can help explain how these benefits work. We can also determine whether you’re able to file a personal injury claim against the at-fault driver.
Our legal team has more than 130 years of combined legal experience. Call or fill out our online contact form to schedule a free consultation.
What Is Med Pay?
Medical Payments coverage, also known as Med Pay, is an optional add-on that Nevada drivers can purchase as part of their auto insurance policies. Though the specifics will vary slightly depending on the insurer, med pay generally covers your medical expenses after an accident.
Med Pay differs from other types of car insurance in one key area: it’s a “no-fault” benefit. While Nevada is a “fault” state when it comes to car accident claims (meaning that you can sue someone who injures you in a crash), Med Pay coverage works differently. Because Med Pay coverage is a no-fault addition to your insurance policy, you can claim Med Pay benefits from your insurer even if you played a role in causing your accident.
Is Medical Payments Coverage Required in Nevada?
Currently, Med Pay coverage is not required in Nevada. However, Nevada requires all motorists to carry other types of car insurance coverage, including:
- $20,000 in property damage coverage per accident
- $25,000 per person/$50,000 per accident in injury or wrongful death coverage
- $25,000 per person/ $50,000 per accident in uninsured/underinsured motorist coverage
What are the Benefits of Med Pay?
Med Pay’s main advantage is that it’s a no-fault benefit. While very few people intentionally go out and cause a car accident, life doesn’t always go according to plan. Having Med Pay coverage means you will always have some way to cover your medical bills after an accident, even if you caused the crash.
The other notable advantage of Med Pay is speed. This goes back to Med Pay being a no-fault benefit. Because you don’t have to go through the whole process of gathering evidence to figure out who caused the crash, you can get the money you need quickly instead of waiting for a personal injury settlement to come through.
With personal injury claims, it could take a significant amount of time to recover compensation. With Med Pay coverage, you have a financial backstop you can count on while you pursue your rightful compensation with a car accident claim.
Because Med Pay is not required for Nevada drivers, it’s up to individuals and families to make their own decisions about what kind of insurance they need and what they can afford. But if you can afford it, THE702FIRM Injury Attorneys highly recommend that you purchase Med Pay to protect yourself against unforeseen circumstances.
How to Use Med Pay in My Las Vegas Car Accident Claim
Filing for Nevada medical payments coverage benefits is very similar to what happens in other car accident claims. Here’s what you do:
- Talk to a Las Vegas car accident lawyer: The insurance company will need documentation of the accident in order to pay out your med pay benefits. However, they may request unnecessary information that you do not have to share that could hurt your case. An experienced Med Pay attorney in Las Vegas can ensure that you only submit what you need to.
- Gather your accident-related medical records: These records show what you’re seeking compensation for under the terms of your med pay policy.
- Get a copy of the police accident report: You don’t need to show that someone else caused the crash, but you do need proof that it happened.
- Collect contact information for eyewitnesses: Witness statements help establish your credibility and speed up the claims process.
- Gather additional evidence from the accident scene: Photos, video and dashcam footage, and other evidence to help substantiate your claim. Make sure to get pictures of the vehicles involved, the accident scene, and your injuries.
If you were too injured to take these steps in the aftermath of the crash, don’t worry. The legal team at THE702FIRM Injury Attorneys can investigate the accident and collect the information you need to submit a detailed PIP claim.
What Happens if I Have Exhausted My Med Pay Benefits After a Las Vegas Crash?
Like all insurance policies, Med Pay benefits have limits. Depending on the amount of coverage you purchased and severity of your injuries, you may find that you have exhausted your Med Pay benefits and are still struggling financially after an accident. You’re not out of luck. You could potentially file a personal injury claim against the other driver, even if you are partly to blame for the wreck.
Compensation in a Nevada personal injury claim could cover a wide variety of damages, including:
- Medical expenses
- Lost wages
- Loss of future earnings
- Pain and suffering
- Mental anguish
- Wrongful death
If you are interested in filing a personal injury claim, it’s time to talk to an experienced car accident attorney. While you are not required to hire a lawyer, having an ally by your side when negotiations begin can protect your rights to maximum compensation.
It’s crucial to move quickly if you need to file an injury claim against someone after a car accident in Las Vegas. The Nevada statute of limitations on personal injury claims is two years from the date of the accident. People who file a lawsuit after that time are typically barred from obtaining compensation, with rare exceptions.
How Can THE702FIRM Injury Attorneys Help Me?
The legal team at THE702FIRM Injury Attorneys can assist with every aspect of your car accident claim. Whether you need help accessing Med Pay benefits or want to seek compensation from the at-fault party, our skilled car accident lawyers are always available to discuss your legal options and fight for your rights.
There’s a lot of time and energy required to gather the necessary evidence in a car accident claim, even when filing for Med Pay benefits. If you’ve been seriously injured, you may not be able to do all this work yourself. But you still deserve justice. Our dedicated, highly skilled car accident attorneys can do the legwork while you focus on getting the treatment you need.
The same is true for personal injury claims. Once you hire THE702FIRM Injury Attorneys, we can take over your car accident claim entirely. We’ll gather the evidence, negotiate with the insurance company, and do everything in our power to secure full and fair compensation for you.
Most car accident claims resolve with settlements. But if a fair settlement agreement cannot be reached, our car accident lawyers will vigorously represent you in court.
Contact Our Car Crash Lawyers in Las Vegas Today
At THE702FIRM Injury Attorneys, we only take cases that we believe have a strong chance of winning. We also take cases on a contingency fee basis, which means you won’t pay a dime unless we recover compensation for you. While a successful outcome in a lawsuit is never guaranteed, you can rest assured that our lawyers only invest effort in cases that have merit.
Let us help you get justice for your Las Vegas car accident. Call or contact us today. All initial consultations are at no charge with no obligation.