What is medical payments coverage?
Medical payments coverage helps pay medical costs for you and your passengers in the event of a covered auto accident. This may include hospital and ambulance bills, as well as doctor visits and other necessary medical treatments.
Medical payments complements your health insurance
It may bridge the gap by paying for services that your health insurance doesn't cover, such as dental work, specialized nursing care and chiropractic services related to a covered accident. Review your current health care coverage to determine if medical payments coverage is right for you.
Who does medical payments cover?Some medical payments coverage extends beyond the driver and passengers. For instance, an insured person may also receive payments for injuries sustained while driving or riding in another person’s vehicle. Or a person may be covered as a pedestrian if hit by a car while walking.
Personal injury protection (PIP) vs. medical payments
- PIP covers more expenses than medical payments. But it carries a deductible.
- Medical payments could be the better choice in situations that involve passengers, since they would still be considered covered if the accident was a covered incident.
For example: You’re driving and you’re in a covered accident. A friend, who is riding along, breaks his arm in the accident. Your PIP coverage may reimburse him for his medical expenses subject to your policy coverage limits.
Understand your state’s laws
If you live in one of the 12 no-fault accident states, you must carry medical payments or PIP.
PIP and medical payments coverage are both set up to pay for your immediate or short-term medical needs, so they’re considered the primary coverage – before your health insurance kicks in.