In Rhode Island, all motorists are required to carry Medical Payments coverage. Medical Payments coverage, or MedPay, will pay for your medical bills if you are injured. However, if you have health insurance, your health insurance will typically pay your medical bills, which means MedPay and health insurance in Rhode Island often overlap. However, MedPay can be used to pay things that your health insurance may not cover, such as copayments.
If MedPay does pay for part of your medical bills, the MedPay carrier has the right to be reimbursed out of any personal injury recovery you obtain from a third party who caused your injuries. That means if you get a personal injury settlement, you have to pay back MedPay for your medical bills. Typically, the same rule applies to your health insurer as well.
It is important to retain competent, experienced representation when dealing with automobile accident injuries to ensure that your medical bills are properly addressed. Furthermore, an experienced attorney will help you achieve the maximum recovery by negotiating with your MedPay insurer and your health insurer to reduce the amount you have to pay back.
If you’ve been injured an an automobile accident in Rhode Island, please contact KPDM Law, LLC today at 617-804-5736.