What is medical payments on my car insurance? On Mississippi and Alabama auto insurance policies, medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault. Like in most states, it's an optional addition to your car insurance policy.
Quick coverage facts
· Covers you and your passengers
· Can kick in after health insurance limits are exceeded
· Offers additional protection to insured drivers who like to walk or cycle
What’s covered by medical payments coverage
In addition to funeral expenses, here are a few scenarios where medical payments coverage may kick in to help cover expenses:
· Passengers are hurt while you or a family member is driving
· You're injured as a passenger in someone else's car
· You're struck by a car while walking or cycling
· You require dental care after an accident
· You require extended nursing services or hospitalization while rehabilitating
· You require prosthetic limbs
Even if you have an excellent health care plan that covers injuries sustained in an auto accident, medical payments coverage can help your passengers if they get hurt. If you play chauffeur, consider the benefits this coverage can provide to those you drive from A to B.
Medical payments coverage and your health insurance
Consider your health insurance plan when you're building your car insurance policy.
If you don't have a health plan, your plan won't cover car accidents, or if your plan has low limits, you may want to add medical payments coverage. In some cases, this auto insurance coverage can actually help cover your health plan's deductible.
If you have a good, reliable health plan, you may not need all of the features that medical payments coverage offers. However, they can work together, and medical payments coverage can help cover things that aren't included in all health plans. If you have Medicare or Medicaid, for example, medical expenses related to a car accident may not be covered.
Check the specifics of your health plan or work with a licensed agent to find out if this applies to you.
How health insurance and medical payments coverage can work together
If you do have health insurance and you choose to add medical payments coverage, it can kick in after your health insurance limits are exceeded, or if your health insurance plan doesn't cover injuries related to car accidents.
Adding medical payments coverage to your policy
Give us a call at 601-482-6699 to add this coverage to your policy today. Or you can click here to get a new quote. Still have questions? Check out our FAQ or give us a call!
Information provided by https://www.esurance.com/info/car/medical-payments-coverage