What is MedPay Insurance & How Do You File a Claim?

Attorney Tyson Mutrux describes in this video medical payment insurance, often referred to as medpay insurance in personal injury auto accident claims. Are you looking for med pay claim?

This is Greg Klote from the Mutrux Law Firm and today we’re going to talk about Medpay, or otherwise called: Medical Payment Coverage.

Medical Payments Coverage (MedPay) is an optional add-on to auto insurance that helps cover medical expenses after an accident—regardless of who was at fault. Unlike liability coverage, which only covers the other driver’s expenses if you cause a crash, MedPay ensures you and your passengers receive financial support for medical treatment, even if you were responsible for the accident.

How to File a MedPay Claim in St. Louis & Columbia, Missouri

If you’ve been injured in a car accident, Medical Payments Coverage (MedPay) can help cover your medical expenses—regardless of who was at fault. Filing a MedPay claim is a straightforward process, but missing steps can result in delays or denials. Here’s how to successfully file a MedPay claim in Missouri.

Step 1: Report the Accident

Notify your insurance company as soon as possible after the accident. Most insurers require prompt reporting to process your claim efficiently.

Step 2: Seek Medical Treatment

Visit a doctor, hospital, or urgent care facility immediately. Even if your injuries seem minor, getting checked out ensures that your condition is properly documented. MedPay will cover:
✔️ Hospital visits & medical exams
✔️ X-rays, MRIs, and surgeries
✔️ Ambulance and emergency services
✔️ Rehabilitation & follow-up care

Step 3: Gather Necessary Documentation

To support your claim, collect the following:
Medical records & bills – Includes hospital invoices, treatment details, and prescriptions.
Ambulance & transportation receipts – Proof of emergency transport costs.
Proof of lost wages – If your injuries prevented you from working.
Accident report – A copy of the police report can help verify the circumstances of the crash.

Step 4: Submit Your Claim

Provide all necessary documents and claim forms to your insurance company. Be sure to:
✅ Include a detailed description of your injuries and treatments.
✅ Double-check for missing information to prevent delays.
✅ Keep copies of everything you submit.

Step 5: Claim Review & Payment

Your insurance company will review your claim and may request additional information. If approved, MedPay will directly reimburse you or your healthcare providers for covered expenses. Processing times can vary, but payments typically arrive within a few weeks.

What If My MedPay Claim Is Denied?

Insurance companies sometimes delay or deny claims for various reasons, including:
⚠️ Missing documentation
⚠️ Disputes over whether treatment was necessary
⚠️ Errors in submitted claim forms

If your claim is partially or fully denied, you can:
Dispute the denial by providing additional evidence.
Request an internal appeal with your insurer.
Consult a MedPay lawyer to fight for the compensation you deserve.

How Mutrux Firm Injury Lawyers Can Help

At Mutrux Firm Injury Lawyers, we know how frustrating it is to deal with insurance companies—especially when you’re recovering from an injury. Our team helps clients in St. Louis and Columbia by:
✅ Handling MedPay claims from start to finish
✅ Negotiating with insurance companies to maximize payouts
✅ Filing appeals for denied claims
✅ Ensuring you receive full compensation for medical expenses

Need help with a MedPay claim? Call (888) 550-4026 or visit www.tysonmutrux.com for a free consultation today!