Yesterday I wrote a bit about med pay insurance and why I believe it is a good investment.  Today I learned that in May of 2009 State Farm changed its policy concerning medical payment coverage in auto injury cases.  State Farm states in a memo that it will no longer provide duplicate payment of medical bills, specifically when their insured receives a liability settlement, underinsured motorist or uninsured motorist settlement.  The effect of this is to significantly reduce the instances in which State Farm will be liable to pay under their policies.  If the policyholder elects to purchase med pay and pays their premium why should State Farm not provide coverage for accident related bills?  Most med pay claims are small because most policies provide minimal, however helpful benefits. Hopefully other carriers will see the benefit of providing their customers with first dollar payment of med pay claims.

Geoff Meyerkord
Attorney At Law

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