Medical Payments Coverage

Medical payment coverage is an integral part of your auto insurance, though like most car owners, you might confuse it with ordinary health insurance. One great mistake most car owners make is to drop auto insurance premiums by dropping medical coverage.

Only when you are involved in an auto accident do you appreciate the need for this policy. To clear the air on this aspect of your auto insurance policy and make the best of it, here are pertinent issues on medical coverage:

  1. What is medical payments coverage? This is part of your auto insurance that covers medical or funeral expenses of the driver and occupants in case of an auto accident irrespective of who is at fault.

  2. What is the difference between health and medical payment coverage? Firstly, health insurance is mandatory while medical payment is not which makes most drivers ignore it. Medical payments coverage moves with your insured vehicle whether you are driving it or not and unlike health insurance carries no-deductibles.

  3. Advantages of medical payment coverage? For starters, there are no out-of-pocket expenses to worry about and you get instant payment irrespective of who is at fault. You and the car occupants also get better care if you have medical payments coverage and it is more immediate as opposed to health insurance reimbursement.

While there are myriad benefits associated with medical payments coverage none should play substitute for the other.