Medical payments coverage is needed to cover the sometimes huge medical costs incurred after you get hurt in an auto accident, no matter who was found at fault for the accident.
Furthermore, medical payments coverage can help you pay for funeral expenses and passenger injuries. It can even help pay your medical bills if a car hit you while you were walking or biking. Depending on your package or provider, you can even get the necessary dental care paid for.
See, when most people think of auto insurance, they think of coverage for their car. But, if you look at the bigger picture, you can see that your health is much more important than your vehicle. You can always take an alternative form of transportation or get a ride from someone, but you can’t even live your life if your health is in serious jeopardy.
To make sure that you’re covered for your medical expenses after a serious accident, you should get medical payments coverage.
While medical payments coverage is generally an option, your state might require it be written into your policy. You can usually request they take it out. You can check the Minimum Coverage Requirements for your state.
Should You Get Medical Payments Coverage?
If your health insurance provider already covers extensive injuries incurred in car accidents, then there is little reason to shell out even more money for medical payments coverage.
But, if your health insurance provider doesn’t provide coverage for car accident injuries, then it makes a lot of sense to purchase medical payments coverage.
Is Medical Payments Coverage Expensive?
Your medical payments coverage can cost a lot if you’ve got a poor record. However, it might not cost that much if you have a great record. Your premium will be based on your driving record, claims history, age, sex, marital status, and more.
Medical payments coverage can help you pay for exorbitant medical bills if you get into a serious wreck and your health insurance provider just doesn’t come through. It’s that extra layer of protection. It can help you stay out of debt in the event of a serious medical catastrophe that your health insurer just won’t cover fully – or at all.
Quick Coverage Details
- Covers you or anyone in the car with you at the time the accident occurs
- Will take effect once health insurance limits are exceeded
- Offers an extra layer of protection to insured drivers who enjoy walking or cycling
What Exactly Is Covered By Medical Payments Coverage?
Funeral expenses are covered, but a lot more is covered, too. Let’s take a closer look at what’s covered.
- The people in the car with you are hurt while you or a relative is driving the vehicle
- You’re injured in a wreck as a passenger in someone else’s automobile
- You get hit by a car while you’re cycling, walking, or jogging
- You need dental care post-accident
- You need serious hospitalization or nursing service while you’re recuperating or rehabilitating
- You have to get a prosthetic limb
Medical payments coverage can cover a whole lot of stuff that your health insurance plan might not. Or, if you don’t have health insurance (as required by law btw), medical payments coverage can help provide a safety net if you’re injured in a serious auto accident.
Medical payments coverage will cover the following stuff:
- Doctor’s visits
- Hospital stays
- Emergency surgery
- EMT & ambulance fees
- Professional nursing care or rehabilitation
- Prosthetic limbs or other medical necessities that are typically too expensive to afford on your own
- Lost wages
You just never know the kind of damage a car accident can cause you, and that’s why it’s smart to protect yourself to the fullest with medical payments coverage. The old adage, “Better to be safe than sorry,” applies to medical payments coverage. Why slide behind the wheel and chance a serious auto accident? Driving is always risky. Even the best drivers can get into a crash now and then.
Interestingly enough, if you live in one of the 12 no-fault accident states, you are required by law to carry medical payments coverage.
Even if it’s not required in your state, you can clearly see all the benefits outlined here. There is a serious safety net you put in place when you get medical payments coverage tacked onto your existing car insurance policy. Why chance your health insurance not covering everything?
Even if you’ve got a stellar health insurance package that covers your medical expenses if you’re injured in a car accident, medical payments coverage can help cover the cost of your passengers if they get hurt in an accident. If you’re the driver, consider the benefits offered to your passengers.