#med-pay

Med-Pay: Are Medical Payments Made by an Insurance Company an Admission of Liability?

As discussed in a prior post, in Alabama, medical payments (“med-pay”) coverage is often written into personal auto liability insurance policies. Once a med-pay claim is made by an insured, an insurer becomes obligated to make the medical payment when its insured can show he suffered a bodily injury, as defined in the medical payments provision of the auto policy, in an accident (regardless of…

When Does an Insurer Become Obligated to Make Med-Pay Payments?

As with any general conversation about insurance coverage, there is a giant caveat that must be stated – the outcome of any coverage question depends on the specific language of a particular policy. With that being said, typically in Alabama, medical payments (“med-pay”) coverage is written into auto policies. Unlike other types of coverage, med-pay is “no-fault” coverage. The med-pay provision…