Auto Insurance Medical Payments Vs Bodily Injury
Medical payments coverage is an add on to an auto insurance policy that covers expenses related to vehicular accidents.
Auto insurance medical payments vs bodily injury. A per person limit and a per accident limit. The per person limit applies to each person injured in an accident. Bodily injury insurance vs. Before the unexpected occurs though you can proactively protect your finances with bodily injury and medical payments insurance.
Likewise if another driver is at fault for an accident that injures you their auto liability coverage may help pay for your medical bills. Another interesting fact about medical payments if you are under the. Medical payments to others this coverage on a homeowners insurance policy is not designed to cover your minor bodily injury or any other household member. Bodily injury liability coverage is subject to a limit which is the maximum amount your car insurance policy will pay toward a covered claim.
So the only coverage you will get to cover your own medical expense will be medical payments. Health insurance policies also vary by state and insurance provider so before declining all medical coverage on your car insurance policy such as medical payments med pay uninsured motorist um underinsured motorist uim or personal injury protection pip you need to review and understand the specific details of your health insurance. It is important to always consult a professional insurance agent about your specific insurance needs. Depending on which state you live in auto medical payment coverage is an optional coverage.
Bodily injury liability insurance is coverage against you being at fault in an auto accident in which there is bodily injury to a 3rd party most often in another car. Insurers take care of their own clients expenses regardless of who is at fault which helps accident victims pay for medical care promptly. Personal injury protection pip and medical payments medpay insurance pay for immediate and necessary medical services following a car accident that results in injury. If you do this coverage is required for you so read on.
If you cause a car accident the bodily injury liability portion of your car insurance coverage helps pay for the other partys medical expenses. Medical payments insurance when an accident happens on the road american family insurance is dedicated to helping you handle the financial stress of the outcome. This means you do not have to purchase it as part of your coverage. Do you live in a no fault state.
Also called medpay it covers you and any passengers in your vehicle. Bodily injury liability coverage generally has two coverage limits. What exactly is personal injury protection coverage first things first. Heres what you need to know about medical payments personal injury protection and uninsuredunderinsured motorist bodily injury coverages.