What is Medical Payments Coverage in Car Insurance?
<lingo>Medical Payments Coverage is a type of insurance that covers medical expenses if you're involved in a car accident, regardless of who is at fault. Some medical payments insurance coverage also helps cover the medical expenses of other passengers in your vehicle, up to a limit stated in your policy. Though you're not required by law to carry medical payments coverage in order to hit the road, it's a crucial layer of protection that will make all the difference if you're injured in a car accident.</lingo>
Medical Payments Coverage Clearly and Briefly Explained
Medical payments coverage typically covers any injuries that occur when you're in an accident (no matter who caused the wreck). But it also covers more than just your doctor's bill. Medical Payments Insurance usually includes coverage for:
- EMT and ambulance bills
- A hospital visit or stay
- Prostheses needed as a result of your injury
- Nursing care
- Dental procedures needed after your accident
<twitter>Medical payments coverage may also cover you if you're injured by a vehicle while walking or riding a bicycle. </twitter>
Details vary by policy, but most of the time a medical payments coverage plan will also cover family members riding in the car with you (or driving at the time of the accident). Medical payments coverage may also cover you if you're injured by a vehicle while walking or riding a bicycle.
Medical payments coverage makes sense even if you have great health insurance. Some health insurance policies either don't cover injuries from auto accidents at all or have limited coverage for injuries sustained on the road, and can leave you with exorbitant out-of-pocket expenses. Medical payments coverage fills in any gaps to make sure you have the protection you need--so an injury from a car wreck doesn't demolish your finances.
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