Choosing Great Insurance

Posted on: 5 December 2023

Auto insurance protects motorists and others involved in accidents, and it is essential to have coverage that fits your individual needs. Medical coverage can be a critical part of your auto insurance policy, especially if you are injured in an accident or have health issues that require ongoing treatment. 

Medical Payments Coverage

Medical payment coverage is also known as MedPay, and it pays for medical expenses incurred by you and your passengers if you are injured in an accident, regardless of who is at fault. This coverage can help to cover costs like hospital stays, doctor visits, and even funeral expenses if someone dies in an accident. MedPay is available in most states and is usually an optional coverage you can add to your policy.

Personal Injury Protection

Personal injury protection (PIP) is usually required by law in no-fault states. If you are injured in an accident, PIP can cover medical expenses, lost wages, and other related expenses like childcare or household help. PIP can also provide benefits to passengers in your car who are injured in an accident.

Medical Expense Coverage

Medical expense coverage provides coverage for medical expenses incurred by you and your passengers in the event of an accident. This coverage can help cover things like hospital stays, surgery, and other medical bills resulting from an accident. Medical expense coverage is usually an optional coverage that you can add to your policy.

Liability Coverage

Most states require liability coverage, which can also provide some medical coverage. If you are at fault in an accident and someone is injured, liability coverage can help to cover medical expenses for the other party. Liability coverage can also provide coverage if you are sued for damages from an accident.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can provide medical coverage if you are injured in an accident caused by someone who doesn't have insurance or doesn't have enough coverage to pay for your medical expenses. This coverage can also provide coverage if you are hit by a hit-and-run driver.

Medical coverage is essential to any auto insurance policy, and several options are available to give you peace of mind on the road. MedPay, PIP, medical expense coverage, liability coverage, and uninsured/underinsured motorist coverage can all provide medical coverage in the event of an accident. It is important to review your policy carefully and consider your individual needs to ensure that you have the right coverage. 

Learn more about auto insurance options near you today.