When searching for an auto insurance policy many of the terms can be confusing, particularly in regards to what is and is not covered. Medical payments coverage, sometimes simply known as medical expenses, can help those who have been involved in an accident receive proper medical treatment.
Medical payments coverage can help cover medical or funeral expenses of covered drivers and passengers after an auto accident. This type of coverage is often additional which is why some drives fail to opt for this important coverage.
Medical payments can help cover you under several scenarios, including:
- If your passengers are injured
- If you’re a passenger in someone else’s car
- If you’re struck by another vehicle
- If you need dental care after an accident
- If you require nursing services or hospitalization while healing
- If you require prosthetics
What is and is not covered may depend on your plan and insurer, however, some common expenses it covers includes:
- Doctor visits
- Surgery
- X-rays
- EMT & ambulance fees
If you have health insurance, medical payments coverage could help cover your health plans deductible and in some cases you may not need a large amount of supplemental medical payments coverage. Additionally, medical payments coverage can act as a safeguard if you have personal injury protection (PIP) coverage. If your medical expenses are more than what PIP provides, the supplemental coverage can help you continue with medical care.
Need some help with a claim? Contact a Cincinnati personal injury attorney at O’Connor, Acciani & Levy today for your free case review. Ph: (877) 288-3241.