What is the primary intent of Med Pay?

Med Pay, or Medical Payments coverage, is primarily intended to cover medical expenses incurred by guests who are injured on your property, regardless of fault. While its function involves addressing medical costs, the overarching intent is to facilitate prompt payment for medical care in order to prevent disputes that could lead to lawsuits. By addressing the medical expenses upfront, Med Pay serves as a means to resolve potential injury claims quickly and amicably, thereby reducing the likelihood of legal actions arising from those injuries.

While it does cover certain medical expenses, it does not provide full coverage for all medical and related expenses, nor does it reimburse lost wages or fund rehabilitation services directly. Instead, Med Pay functions as a proactive approach to mitigate risk and maintain good relations with guests, thereby minimizing legal complications.