Medical Payments Coverage – Auto Insurance

Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Is Medical Payments Coverage on Auto Insurance?

This coverage helps pay for medical expenses that result from a car accident including:
 
  • Treatment
  • Rehabilitación
  • Funeral costs
  • Dental care
Cobertura de gastos médicosThe benefits of this coverage apply to everyone in your car at the time of collision.
 
The availability of medical payments coverage varies by state. It’s also an optional policy you can add to your policy with the AARP® Auto Insurance Program from The Hartford.1
 

¿Qué cubre el seguro de gastos médicos?

Your medical payments coverage applies in all states, regardless of who is at fault for the auto accident. It can help pay for:
 
  • Doctor’s visits
  • Medical treatments, surgeries or procedures
  • Funeral costs
  • Medical deductibles and co-pays
  • Extended nursing services or hospitalization
  • Ambulance fees
  • Prosthetic limbs
  • Dental procedures
To learn more about cobertura del seguro para automóviles, you can talk with The Hartford’s representatives today at 888-413-8970. También puede get a car insurance quote and look through our state car insurance pages to better understand the requirements where you live.
 

Who Is Covered by Auto Insurance Medical Payments?

This insurance protection applies to the driver and passengers in a car at the time of the accident. It also helps protect you as a pedestrian.
 
This means it can help pay for medical treatment if:
 
  • You’re injured as a passenger in a friend's car
  • You or one of your family members injures your passengers in a car accident
  • You’re hit by a car while walking across the street

What Is Not Covered by Car Insurance Medical Payments?

It’s important to remember that medical payments coverage will not apply in situations where your injuries force you to miss work and you need wage reimbursement. This coverage also doesn’t help if you cause injury to other drivers.
 

Determining Your MedPay Coverage Needs

MedpayBefore you decide how much medical payments coverage to buy, look at the amount your health insurer will pay for accident-related injury expenses. If it doesn’t look like your health insurer will cover the full amount of potential medical costs from a car collision, you’ll likely want to get some MedPay protection.
 
It’s also important to remember that the coverage amount you buy helps determine your MedPay premium. So, the more your insurance policy covers, the higher the cost will be.
 
You’ll also want to keep in mind that unlike health insurance coverage, there are no deductibles or co-payments. You can also add this insurance protection right onto your auto policy with us.
 
To see how much the right coverage for your needs will cost, read through our car insurance calculator página.
 

What's the Difference Between Personal Injury Protection and Medical Payments?

Auto Insurance Medical PaymentsMedical payments coverage and personal injury protection (PIP) are two car insurance coverages that offer similar benefits like paying for medical bills after an accident. They can also both be optional coverages in at-fault states, where drivers who cause an accident must file a claim with their insurance company to pay for damages or injuries.
 
This differs from states with no-fault insurance laws, which require every driver to file a claim with their own insurance company after a car collision, no matter who’s at fault. In these states, you’ll need to buy PIP as a part of your auto insurance policy. Some no-fault states include:
 
Other differences between PIP and MedPay include:
 
  • PIP covers lost wages if you’re forced to miss work due to a car accident, while medical payments coverage does not.
  • PIP limits and costs are typically much higher than medical payments coverage limits.
  • Both PIP and MedPay have varying coverage requirements.

What’s the Difference Between Bodily Injury Liability Coverage and Medical Payments Coverage?

Gastos médicos del seguro de autoYour medical payments coverage helps pay medical costs resulting from an auto accident for you, your family and everyone in the car at the time of collision. Responsabilidad por lesiones corporales insurance also helps pay for treatment after an accident, but only for people other than you or your passengers.
 

Get a Quote for Medical Payments Coverage Auto Insurance

To learn more about insurance rates and coverages for MedPay, get a cotización de seguro para autos  hoy mismo.
 
Medical Payments Coverage Auto Insurance

Gastos médicos

Learn more about how this insurance helps cover medical bills in this video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.