Car Insurance What is Medical Payments Coverage: Bikes and Automotive Automobile Reviews

Car Insurance: What is Medical Payments Coverage?

Medical payments coverage is offered in several car insurance policies. Medical payments insurance coverage typically covers 100% of your medical costs up to a specified dollar amount. Most medical payment insurance coverage is limited to $1,000 to $5,000.

Medical Payments Coverage in car Insurance

$1,000 to $5,000 might sound like a lot of coverage, but it really isn’t. A trip to the emergency room costs over $1,000 after you consider the hospital charge, lab work, the emergency physician charge (separate from the hospital charge in many cases), and any diagnostic tests such as an MRI (which is over $1,000 in and of itself) or a CT scan.

When Does Medical Payment Insurance Cover Me?

Your medical payments insurance coverage covers you whether or not the accident was your fault. If you are not at-fault, your insurance company will go through a process called subrogation in order to get their money back from the insurance company of the at-fault party. If the at-fault party was uninsured, your car insurance company will sue the individual to get their money back.

What About my Health Insurance Policy?

If you have regular health insurance, file all your claims under your health insurance policy first. The rest of the medical payment coverage can be used to pay your out of pocket expenses. Your health insurance company will also go through subrogation in order to receive their money back from the at-fault party. In most cases, both insurance companies are satisfied when you or your lawyer negotiates a personal injury settlement.

Medical payment insurance coverage covers a wide variety of medical services. Physical therapy, medicine, prescriptions, and even chiropractic services are paid for under the claim.

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Car Insurance: What is Medical Payments Coverage?

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Automotive Automobile Reviews

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