What is medical payments coverage?

So, car insurance is a thing. It can help you out of a lot of sticky situations. But it’s really important to make sure you have the right coverage to cover all the expenses if something happens and you get into a wreck. For example, your medical bills. There’s this coverage called medical payments that could help you cover your medical bills and those of your passengers if you’re in a wreck.

What is medical payments coverage?

Medical payments coverage can help you cover the following:

• Your medical bills and those of your passengers if you’re in an accident.
• Your medical bills if you’re a passenger in someone else’s vehicle.
• Medical bills if you’re hit as a pedestrian.

So, medical bills can, of course, get very expensive. You might have health insurance coverage to help with that particular problem, so you need to find out how your medical payments coverage would work with it.

If you only have liability insurance, your medical expenses would not be covered by your car insurance if you’re in an accident. Liability insurance has two pieces – bodily injury liability and property damage liability. Your bodily injury liability insurance can help cover expenses like the other driver’s medical bills and pain and suffering if you’re at-fault in a car accident. The property damage segment can help cover the repairs or replacement of the other driver’s car – and perhaps other property you happen to damage by careening into it.

Notice that we didn’t mention your medical bills in there. Hence the part about medical payments coverage. That’s because your liability insurance won’t help cover your medical bills. It just won’t. That’s not really its job. Anyways, we get that the different car insurance coverages can get confusing, so thanks for sticking with us!

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