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Medical Payment Coverage

injured woman helped by firemenMedical payments coverage is an option often overlooked when purchasing insurance for a vehicle. This optional coverage helps cover the cost of a variety of circumstances regardless who’s at fault. It covers the occupants of the insured vehicle, an accident when you are a passenger in another’s car, or even you or a family member if you are struck by a car while a pedestrian.

Many people assume they don’t really need Medical Payment Coverage because they are covered by another health plan. However if your health plan carries a high deductible, medical plan payments can help pay for some or even all of it. Also keep in mind that your health plan will not extend to your passengers at all.

Medical Payments are usually broken down as $1,000, $5,000, $10,000, $25,000. $50,000 and $100,000, these are the limit that the insurance company will pay for medical related cost. Considering it is also one of the least expensive coverage’s to own, generally a few dollars more a month, it might be a smart investment.

What does it cover?
• Doctor visits
• Hospital visits or stays
• Surgery • X-rays
• EMT & Ambulance fees
• Nursing care
• Prostheses
• Dental expenses
• Funeral costs

Some states require medical payment coverage but most don’t, if you are in a state that requires Personal Injury Protection (PIP) you have medical coverage up to the limits of your policy usually $10,000 in coverage. With the rising cost of healthcare this may be inadequate for many situations. Medical payments will kick in after your other plans options are exhausted.