Medical payments (med-pay) coverage pays for a car accident victim’s medical treatment as medical bills are incurred regardless of who was at fault, and sometimes without reducing the total amount recovered from the at-fault insurance company.
Med-pay must be included in every auto insurance policy offered in Colorado unless the insured specifically rejects it in writing. Whenever the law requires insurance companies to include a specific coverage, a person should think very carefully before waiving it. Med-pay is no exception.[…]