Car insurance policies have different features. One of which is the medical payments coverage. Let’s take a closer look and learn what it provides.
Medical payments coverage explained
Medical payment is one of the many features of car insurance. It covers medical expenses brought about by vehicular accidents. Also referred to as medical expense coverage, this policy feature applies to the following situations:
- The policyholder and all the passengers riding the insured car;
- The policyholder riding as one of the passengers in another car and;
- The policyholder who was injured by someone else’s car
- A pedestrian that got hit by the policyholder
Medical expense coverage has a wide range of covered expenses related to bodily injuries that were caused by a car accident. These include:
- A doctor or hospital visits
- Ambulance fees
- Rehabilitation and therapy
- Nursing care
- Medical equipment
No matter who was found to be at fault, medical expense coverage will pay for necessary medical treatments of the individual that got hurt in the accident.
Medical payments insurance and. health insurance
In every jurisdiction, there is a different ruling as to which policy serves as the primary coverage for an insured individual. In some states, medical payment has to be exhausted first before health insurance coverage can be used.
This is especially true when the injured individual is a pedestrian that was hit by the policyholder.
While in other states, the opposite is true.
Medical payments insurance and personal injury protection
No-fault states often require car insurance policies to have a built-in PIP or Personal Injury Protection coverage. PIPs usually have the same coverage for injuries as medical payments insurance but typically have higher coverage amounts.
Likewise, it covers more accident-related issues and concerns compare to medical payments. Not all states require medical payments coverage. Therefore, policyholders residing in states where it isn’t a requirement to choose whether or not to pay more to add this feature.