Medical Payments Coverage

What is medical payments coverage?

Medical payments coverage will pay for the medical expenses you and your passengers incur in a car accident, whether or not the accident was your fault. This is similar to personal injury protection and is often purchased in place of no-fault insurance. It also covers the medical costs of pedestrians that you may injure. It does not, however, cover any property damages that occurred in the accident.

Who needs medical payments coverage?

If you do not have an insurance plan that includes personal injury protection, then you should consider medical payments coverage. Some states outline exactly what kind of medical and personal injury insurance protection you are required to have. Check your state’s requirements before purchasing a policy to make sure you have adequate insurance coverage.

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How much medical payments coverage do you need?

You should to purchase, at the very least, the minimum amount of medical payments coverage required by your state. Many states require a relatively small amount. For example, some states may only require that you have $5,000 worth of medical payments coverage. If you are injured in a car accident, you could easily spend more than that for your hospital stay, tests, and other related expenses. If injuries incurred in the accident extend to other passengers in your car or the other car, the bills could add up quickly. Regardless, you should purchase as much coverage as you can comfortably afford.

Can my health insurance take the place of medical payments coverage?

Health insurance alone is not sufficient if you do not also have a no-fault car insurance policy. Your health insurance will not cover passengers in your car or other cars. Medical payments coverage will. It covers funeral costs, and will also make up the difference if you are seriously injured as a passenger in a car driven by someone without adequate insurance coverage.

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