What is Medical Payments Coverage?
Medical payments coverage helps pay for reasonable and necessary medical expenses resulting from an auto accident. This may include medical care, recovery, rehabilitation, and remedial care and extends to everyone in your vehicle at the time of the accident. It also extends to you or a family member as a pedestrian. Availability of medical payments coverage varies by state.
What Does Medical Payments Insurance Cover?
Medical payments coverage can help pay for the doctors’ visits and procedures needed after anyone in your vehicle is injured in an auto accident – regardless of who is at fault. This includes co-pays, co-insurance, deductibles and funeral costs.
Determining Your Limits for Medical Payment
When deciding how much medical payments auto insurance coverage to purchase, it is important to consider how much your health insurer will pay for accident-related injury expenses. If there’s a gap between what your health insurer will pay and the potential cost of medical expenses resulting from a car accident, medical payments coverage may be a good option for you.
When Medical Payments Coverage Comes in Handy
Let’s say your friend is taking you for a ride in his new car when suddenly, he collides with another vehicle. You are hurt in the accident and while your injuries aren’t severe, the medical bills still add up quickly.
Luckily, your medical payments auto insurance coverage can help pick up the tab. If you didn’t have enough coverage, you could be stuck having to pay those medical bills out of pocket.
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