Medical payments coverage is
an optional auto insurance coverage which pays for medical expenses
resulting from a car accident. Compensation is made by your auto
insurance company up to the maximum limits of coverage bought. Medical
payments coverage is valuable if you have no health insurance or
inadequate health insurance coverages.
Expenses covered by Medical Payments Coverage
Medical payments car insurance coverage pays for medical bills
and funeral expenses for the policyholder, household family members,
and your passengers in an car accident. Coverage also applies if
the insured or household family members are in another vehicle,
as pedestrians or as bicyclists and are hit by another car.
Medical Payments Coverage as part of you Car Insurance
Medical payments coverage is relatively inexpensive and can protect
you and your passengers in a car accident where injuries are sustained.
Find out if your state requires the purchase
of medical payments coverage and how much is required. If your
state does not require this coverage and you have adequate health
insurance, you may decide to not buy medical payments coverage. Avoiding
duplicate medical coverage can help lower you auto insurance premium.