Automobile Medical Payments

Medical Payments Insurance pays for relatively small amounts of medical expenses on a no-fault basis. Medical Payments coverage eliminates the need of eligible persons to sue to recover for minor injuries. Medical payments can be purchased in amounts ranging from $1,000 per person to 10,000 per person and higher.

Example:  You, as the insured, add Medical Payments Insurance to your automobile insurance with a limit of $5,000 per person. You are involved in an accident that isn't your fault, and three people in your car sustain the injuries listed below.

• Person One: $4,000
• Person Two: $2,500
• Person Three: $7,000

Regardless of fault, your insurance company will pay up to $5,000 per person. Person One and Person Two will get their medical bills paid in full. Person Three will have $2,000 of medical bills remaining after Medical Payments coverage is exhausted.

If you wish to collect on this insurance, it needs to be done within three years of the accident.

Medical Payments Insurance does not just cover medical payment costs when riding in an automobile, but will cover you while doing pretty much anything relating to a car or on a public road. A few examples are:

• Sitting on top of a car and falling off
• Getting your foot ran over by a car
• Getting into or out of a car and hitting your head
• While working on or under a car
• While jogging along side a busy street

Example: You and a friend are jogging on a busy street. While jogging, a car gets too close to the shoulder and hits you. You go to the hospital as a result, and you sustain $5,000 worth of injuries. If you have Medical Payments coverage of $5,000 per person, your medical bills would all be paid!