In Connecticut, a person may purchase an automobile insurance policy with a medical payments provision (Medpay). Medpay provides payments for medical care up to a specified amount, provided in an insurance policy.
As an example – a claimant/insured is involved in an auto accident. His motor vehicle insurance company pays $5,000 for medical payments. The insured pays a total of $2,200 for auto insurance coverage with $200 of the premium for the Medpay coverage.
A jury awards the following as damages
$5,000 for economic damages (all economic damages are covered and paid for by Medpay).
$15,000 for non-economic damages
Total verdict of $20,000
In this situation: the award will be reduced by the $5,000 in economic damages, the amount of the Medpay, less than $200 paid for the Medpay coverage.
The final judgment becomes $15,200. $15,000 non-economic damages plus $5,000 economic damages less $5,000 collateral source reduction plus $200 cost of Medpay coverage
See Jones v Riley, 263 Conn 93 (2003).
If you have an auto insurance claim in Connecticut, please feel free to contact
Attorney Robert M. Singer
2572 Whitney Avenue, Hamden, CT 06518
SERVING ALL OF CONNECTICUT