Auto Insurance Medical Payments Coverage

Medical Payments coverage is a part of your auto insurance policy that covers medical bills accrued due to injuries caused by a motor vehicle accident. This part of a policy is separate from the Bodily Injury, Uninsured/Under-Insured Motorist portions of a policy, but it assists that part because it pays medical bills that would otherwise be taken from the pain and suffering portion of a settlement. Every auto policy has policy limits. The Bodily Injury and Uninsured/Under-Insured Motorist portions have two limits each (usually 15,000/30,000 minimum). The first number is the maximum amount of money an insurance carrier will pay to one person, and the second is the maximum amount of money the policy will pay per accident. So in the case of a 15,000/30,000 policy, two people could get $15,000 worth of medical bills and pain and suffering. However, when there are more than two people being paid, that second number is divided evenly between all the parties involved. This is where Medical Payments coverage comes in handy because it pays your medical bills before the settlement is made. So any bills already paid will not be deducted from the amount that could be paying for your pain and suffering. The best part of the Medical Payments coverage is that it covers you and everyone else in your vehicle regardless of who is at fault for the accident. In other words, even if you caused the accident, your medical bills will be taken care of by your auto policy.


There are two main types of Medical Payments coverage offered by most auto insurance companies. The first is straight Medical Payment coverage and the second is Excess Medical Payment coverage. The difference is that Excess only pays what your personal medical insurance does not. Excess Medical Payments is something to consider getting if you have a good health insurance plan. Anything not covered by your health insurance would be covered under this policy in the case of an auto collision, and it is usually cheaper than straight Medical Payments Coverage. It may cover your accident bills if you do not have medical insurance or if you lose your medical insurance, but the auto insurance company may require proof that you do not have other coverage before they pay your bills. They may also require you to provide proof that you have other coverage before they will give you access to purchasing an Excess Medical Payments policy. On the other hand, a straight Medical Payments policy will allow any medical bills derived from the accident to be paid up to the policy limits. It is usually a little more expensive than an Excess Medical Payments policy but will cover you whether you have medical insurance or not.


Medical Payments coverage is only required in some states. If you or someone who will be riding with you regularly do not have health insurance, you should get Medical Payments coverage regardless of what state you live in. It will protect your credit rating in the long run. If you have medical insurance, call your insurance carrier and ask them what they cover in case of an auto accident. Some medical insurance carriers require reimbursement if you receive money from a settlement, while others will cover everything. Take this information into consideration when shopping for an auto insurance policy.

Once you have decided to get Medical Payments coverage on your policy, do a little research and find out the average medical bills related to an auto accident in your area (cost of living will change the average bills). Taking this information into consideration, shop around for the cheapest auto insurance policy with the coverages you need and want. To find the best insurance quotes, use the Free Car Insurance Rate Finder tool at the top of the page.

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