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Stacking allowed. Virginia law allows stacking of the Med Pay coverage. This means that if you list multiple cars on your policy, you can multiply the coverage amount by the number of cars, up to four vehicles. For example, if you have four cars on your policy, with $1,000 in Med Pay coverage, you have a maximum of $4,000 in available Med Pay insurance coverage. Keep in mind, however, your premium will most likely be higher depending on the amount of Med Pay coverage and the number of vehicles on your policy.

Med Pay Advantages: There are a number of advantages to having Med Pay insurance. First, Med Pay insurance is inexpensive; usually costing a few dollars for thousands of dollars worth of annual coverage. Second, Med Pay claims are usually paid quickly by the insurance company. You are paid as soon as you make your claim and submit your bills. Third, you can collect Med Pay insurance even if (1) you also recover in a personal injury lawsuit, and/or (2) your medical bills are paid by other medical or health insurance. Finally, Med Pay coverage is not fault based. This means that you and your passengers can collect the Med Pay coverage even if the accident was your fault.

Med Pay Limitations: Your automobile insurance may limit the circumstances under which you can claim Med Pay. These limitations include, but are not limited to, the following:

Reasonable, Necessary & Related Expenses: Your insurance company is only obligated to pay for reasonable and necessary medical expenses resulting from an automobile accident. If the insurance company reviews your claim and determines the bills were not reasonable and necessary and/or the injury did not result from the accident, they can deny your claim. If they deny your claim, you can file a lawsuit against the insurance company. more>>

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