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I was recently involved in an at-fault accident. I had $10,000 of medical payments coverage on my policy and my car insurance company paid about $4,400 for my hospital treatment.
Since the accident, I've been having nightmares. I have been unable to sleep or do my job most days, and I've lost a great amount of weight.
I began seeing a psychologist who diagnosed me with "post-traumatic stress disorder" (PTSD) resulting from the accident. I have turned in the psychologist's bills to the auto insurer and they have denied payment saying that PTSD is not covered by medical payments coverage.
Since my condition is directly related to my accident, I believe that these bills should be covered by my policy.
The agreement in the medical-payments section of your personal auto policy (PAP) promises to pay "reasonable expenses incurred for necessary medical and funeral services because of 'bodily injury.'" The bodily injury must be sustained by you and caused by an accident.
The policy defines "bodily injury" as "bodily harm, sickness or disease, including death that results." Post-traumatic stress disorder is a psychological injury. It certainly may have physical manifestations, but it is a psychological injury.
Some states have defined bodily injury to include psychological injury. Your state insurance department can tell you if your MedPay includes psychological injury.
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