Medical Payments Coverage
What is Medical Payments coverage?
If you were ever in an accident in which you got hurt and had to be taken to the hospital, Medical Payments Coverage would be the part of your policy that would pay for the cost of the ambulance ride and certain other medical expenses regardless of who was at fault for the accident. Medical Payments also covers passengers in your car. Family members living with you at the time of the accident also have coverage as pedestrians or when riding in other cars.
What does Medical Payments cover?
If you were involved in an accident and had to be taken to the hospital, where you then spent two nights recovering and those costs added up at $2,500, but you only had $1,000 of Medical Payments Coverage, you would be responsible for the remaining costs.
How much coverage do I need?
Medical Payments Coverage is not intended as a substitute to health insurance. Coverage limits are typically low and are meant only to help you cover your immediate medical expenses.