Medical payments insurance has a coverage limit which is the maximum amount your insurer will pay for a covered loss you can choose your limit when you buy coverage remember any medical expenses that exceed your coverage limit are your responsibility. First things first what is maximum medical improvement mmi sometimes referred to as maximum medical recoveryit means that your injury has reached the point where it will not improve any further now this may mean that you are completely healed so to speak and are back up and running at full capacity. San diego car accident law firm discussion what exactly is med pay insurance in california medical pay benefits coverage is simply known as med pay and it is additional coverage that attaches to an individuals automobile policy this additional policy must be chosen by the policy holder that is it is not required in california. Lets say that you were 52 years old at the time of injury 7 years over age 45 and you reached maximum medical recovery in the year 2018 the base amount for people whose maximum medical recovery date is in 2018 is 5998169 and the adjustment amount is 133342
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