Medical payments liability insurance is a type of coverage that can help you cover medical expenses related to a car accident for you, your passengers, and any family member who was driving the insured vehicle at the time of the accident, no matter who is at fault. It usually covers doctor visits, hospital stays, surgeries, x-rays, and other medical bills. While bodily injury liability insurance and medical payments insurance are independent of each other, both are the main financial safety nets for drivers. This protection covers drivers and passengers of other vehicles involved in an accident, as well as any other pedestrians or bystanders who were injured in the accident when you are responsible.
Your passengers are also covered, except in certain states where resident family passengers are excluded. If the injured party files a lawsuit related to the accident, your bodily injury liability insurance can help cover your legal fees. MedPay is a supplement to your regular health insurance, and rules and regulations vary from jurisdiction to jurisdiction as to who is the main payer of the various medical treatments and expenses. If you have a car accident, medical payments insurance can help cover you, your family members, and other passengers in the vehicle, no matter who is at fault.
Unlike MedPay, which applies to injured people traveling in their own car, bodily injury liability insurance covers the bodily injuries of a person who is in another car in an accident where you are at fault. Bodily injury liability insurance covers the bodily injuries of a person in another car in an accident where you are at fault. If you're the victim of an accident when you're not in a vehicle, medical payments insurance covers you. Medical payments are general liability coverage that reimburses third parties, regardless of the insured's liability, for medical or funeral expenses incurred by those people as a result of a bodily injury (BI) or death suffered from an accident under the conditions specified in the policy.
This is also known as medical auto insurance coverage, and it covers you, your family members, and the passengers in your vehicle at the time of the accident, regardless of who is at fault. Medical payment coverage is a supplement to an auto insurance policy that covers expenses related to vehicle accidents. However, before the unexpected happens, you can proactively protect your finances with personal injury insurance and medical payments insurance. If you're responsible for taking your children and their friends to school or sharing a car to work, medical payments can protect your passengers in the event of something unexpected happening.
PIP coverage applies to many of the same injuries and medical treatments that MedPay covers and often has higher limits and ensures a wider range of issues related to the accident. Your insurance will help you cover things such as emergency medical care, hospital bills, follow-up visits to the doctor or hospital, and the costs of medical equipment such as wheelchairs, crutches or braces. It covers medical payments such as health insurance deductibles and co-pays, doctor or hospital visits, x-rays and surgery fees for ambulances and emergency medical technicians, rehabilitation and nursing care, and some medical equipment such as prostheses. Bodily injury liability coverage can save you significant financial problems if something unexpected happens.
Ask your American Family agent about adding it to your policy for even more peace of mind.
