insurance ripped me off?

Question

i had 2 cars insured in my name i was involved in a accident i got med pay for one car is that right was i suppose to get med pay for both cars

Answer 1

no, your medical payments are a limit (say 5k) PER car... you dont get to times that limit by the number of cars u own or have insured. that 5k would pay out per person though, so if there was 5 people that were injured while in your car, the insurance company would pay up to 5k per person, so potentially 25k. if u have health insurance and your injuries exceeded the 5k limit, it would pay out for anything in addition.

Answer 2

Most likely not.

Usually Medical Payments coverage does not stack. (Stacking is the term used to describe combining the coverages from all cars on a policy).

Medical Payments coverage pays up the the policy limit for medical bills incurred as a result of an accident - regardless of fault. It does not stack.

In some situations/states, other coverages on a policy may stack (such as uninsured motorist bodily injury). This may be what you have heard about before and where you got the idea that med pay should stack as well. If you want to get better clarification, ask your agent or adjuster to show you the language in the policy that prevents stacking of med pay coverage.

Answer 3

no its right u get the payment for the car u was in unless u was somehow out with both cars and go into an accident in both cars.

Answer 4

Since you are only one person, you only get medical pay on yourself for your accident for your medical expenses. Med pay only pays medical expenses. It does not pay for anything that happens on the cars, it pays for injuries to people.

Answer 5

If you have an accident, you only get the medical payments from the coverage applicable to the vehicle you were driving, not the one you had parked in the driveway.

Answer 6

Not unless you were somehow in both cars...

Answer 7

Why would you think that you would get it for both?