Legal Question in Insurance Law in Missouri

Re: med payment

Your "med pay" insurance pays your medical expenses up to a agreed upon amount under your contract of insurance. The party who was responible for causing the collision may have insurance which includes "med pay", which would pay medical expenses for anyone injured up to their agreed upon amount. The other party probably also has basic "liability" insurance which would pay not only medical expenses, but lost wages, pain and suffering and so forth. In order to make a claim for such a payment you must formally make your claim to the other party's insurance company and support it with adequate documentation. Often it is advisable for an injured party to hire an attorney to assist in these types of efforts. In most cases the attorney can recover more money for the injured person even after deduction of attorney's fees than the injured person would recover by him or herself. If you are not already represented, you may feel free to call me for a free telephone consultation at 314-727-2822.