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Exclusions: Most Med Pay policies include exclusions limiting Med Pay coverage. For example, many policies exclude Med Pay coverage if (1) you are injured in an automobile while working, and (2) your injuries are covered by worker's compensation. This exclusion is valid even though you paid the extra premium for the Med Pay coverage. You should always look at the exclusion section of your Med Pay insurance so that you know the limitations to your Med Pay insurance before you agree to pay for the Med Pay coverage. If you only drive while working, and your policy has a worker's compensation exclusion, you may conclude Med Pay coverage does not make sense for you.

If you purchase Med Pay coverage, and I recommend that you do, be sure you know what you must do to make a claim. Your policy will specify notification procedures when making a claim. You should always read the provisions of your automobile insurance policy carefully and completely. Consult an attorney if you have any questions.

DISCLAIMER: David A. Cardon is an attorney at the Virginia Beach office of Cardon and Goodman, P.C. who concentrates his legal practice in traffic, criminal, and personal injury law. Mr. Cardon provides the materials contained above as a public service and on an informational basis only. These materials are not intended to be a comprehensive statement of Virginia law, and are not intended to convey legal advice. If you have a legal problem, you should consult with an attorney in your area who can investigate the particular circumstances of your situation. You can contact David Cardon, Esquire at (757) 306-9060 or dcardon@cglawfirm.net.

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