Medical Payments Coverage

When you are putting together an automobile insurance policy, you might want to consider adding the Medical Payments option to your overall coverage.

This optional coverage normally offers wide-ranging protection from medical issues which arise from various different accident scenarios. This could be from an accident involving your personally insured vehicle or an accident when you are the passenger in another person's car. It can even include if you or a family member are hit by a vehicle when walking.

Medical payment coverage typically protects not only you but also any passengers or family members riding in the insured vehicle at the time of an accident.

Even for those individuals who have health insurance through their employer, the addition of medical payments coverage to an auto insurance policy makes good sense. Most health insurance policies come with a substantial deductible- meaning you have to pay that amount out-of-pocket before your insurance company will authorize payment of any medical bills.

If you carry the medical payments option, it can help cover some, if not all, of the deductible amount. Additionally, most health insurance policies do not extend coverage to any passengers in the automobile at the time of an accident.

Here is what medical payments coverage normally helps pay for:

  • X-rays
  • Surgery
  • Doctor visits
  • Hospital visits/stays
  • EMT and ambulance charges
  • Prostheses
  • Professional nursing care
  • Funeral costs

Medical payments coverage generally provides protection to you, your passengers, and any family members driving the insured vehicle when the accident occurs. This coverage is allowed no matter who is deemed at fault for the accident.