The Louisiana Supreme Court recently considered whether an automobile liability policy’s “med pay” coverage reimburses for the full, non-discounted amount of a hospital bill when the policy covers all “incurred” medical expenses. See, Hoffman, et. al v. Travelers Indem. Co. of Am.,2013-1575 (La. 5-7-14) — So.3d –. The Court held that the insurer was only required to reimburse the discounted total because its insured was not obligated to pay the pre-discount costs and, therefore, never “incurred” a charge for the full amount.