What Is Medical Payments Coverage on Auto Insurance?
Medical payments coverage helps pay for reasonable and necessary medical expenses resulting from a car accident. These expenses may include medical care, recovery, rehabilitation, and remedial care expenses, and apply to everyone in your vehicle at the time of the accident. También lo cubre a usted o a un miembro de su familia como peatón. The availability of medical payments coverage varies by state and is an option available to add to your car insurance policies. In addition to medical care, medical payments coverage can help cover necessary dental care and funeral expenses associated with auto accidents.
¿Qué cubre el seguro de gastos médicos?
Medical payments insurance coverage can help pay for doctors’ visits and medical procedures needed after anyone in your vehicle is injured in an auto accident. Coverage applies in all states regardless of where you live or who is at fault in the accident. Medical payment insurance helps cover medical co-pays, co-insurance, deductibles and funeral costs. Here are a few examples of when medical payments coverage may help cover expenses:
Passengers are hurt while you or a family member is driving.
For example, you lose control of your vehicle while driving with four friends and crash into a nearby telephone pole. Your Medical Payments Insurance can help cover the costs to treat the injuries of everyone in the car.
You are injured as a passenger in a friend’s car.
For example, your friend is driving you and three other friends when she hits ice and crashes the car. Her Medical Payments Insurance can help cover the medical costs to treat everyone in the car.
You require prosthetic limbs following an accident.
For example, after getting into a serious car accident, you need a prosthetic arm to recover. Your Medical Payments Insurance can help pay for it.
You are hit by a car while walking across the street or cycling down the road.
For example, while exploring new biking routes, you are hit by a car in the road. Your Medical Payments Insurance can help to pay to treat your injuries.
You require dental procedures after an accident.
For example, while an air bag may have saved your life in an accident, it damaged your teeth, which now need repair. Your Medical Payments Insurance can help pay for your dental procedures related to your car accident injuries.
You require extended nursing services or hospitalization while recovering from a car accident.
For example, after your car accident you’re not recovering as quickly as originally anticipated. Your Medical Payments Insurance can help pay for extended nursing services or hospitalization.
You need an ambulance to take you to the hospital following a car crash.
For example, you are rushed to the hospital via ambulance directly from the scene of the accident. Your Medical Payments Insurance can help pay for the costs related to your transport.
It is important to remember that Medical Payments insurance coverage will not apply in all situations. As an example, it covers personal cars, but it cannot be applied to trailers or other additional equipment attached to them.
Determining Your Medical Payments Coverage Needs
When deciding the amount of Medical Payments coverage to purchase, it is essential to consider how much your health insurer will pay for accident-related injury expenses. If there’s a gap between the amount your health insurer will pay and the potential costs of medical expenses you could incur as the result of a car accident, Medical Payments coverage may be a good option for you.
You can choose the coverage limit – or in other words, the maximum dollar amount – that your medical payments coverage could pay. The limit you purchase will help to determine the cost for the coverage. The higher the coverage limit, the higher the cost of the coverage. You can choose to add medical payments coverage to your auto policy with The Hartford. If you are considering adding medical payments coverage, keep in mind that unlike health insurance coverage, there are no deductibles or co-payments associated with medical payments coverage. Medical Payments coverage starts paying with the first dollar of incurred expenses and pays no matter who is responsible for the car accident.
What Is the Difference Between Personal Injury Protection and Medical Payments?
Digamos que un amigo lo lleva a dar un paseo en su auto nuevo cuando, de repente, choca contra otro vehículo. You are hurt in the accident, and while your injuries aren’t severe, the medical bills still add up quickly.
Luckily, his medical payments coverage can help pick up the tab. If he didn’t have enough coverage, you could be stuck having to pay those medical bills out of your own pocket.
Get a car insurance quote today and learn how The Hartford can help protect you and your loved ones on the road with medical payments coverage.