Long story, short: I fell and broke my nose while I was pumping gas at a local convenience store. The date of my injury was 1-31 and my health insurance was to become effective on 02-01, just hours away from the time that the accident occurred. My emergency room visit, so far, has totalled approx. $4000. My provider won't cover it because we arrived at the emergency room on 1-31. My question is: We were told by an insurance agent that the convenience store has Med-Pay insurance just to cover medical payments for injuries that occur on the premises. We don't want to sue or do anything else that goes beyond our medical payments, but would this be covered under the gas station's med-pay policy? We don't want anything extra, just help with the medical payments. Thank you again for your time.
Additional Details
Thank you for your prompt responses. Great advice, however I just received a phone call from the risk management dept of the convenience store and was told that they are self-insured and do not carry Med-Pay coverage. I told him that I couldn't see how they had been negligent in any way, but that I do have legitimate, documented medical expenses that are going to cost approx. $4000, when all is said and done. Do I have any other recourse?