Auto Insurance Coverage: Medical Payments
The last thing you need to worry about at the time of an accident is your medical insurance. The Medical Payments portion of an auto insurance policy covers you, your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident. This coverage applies regardless of who caused the accident. Medical Payments coverage also covers you or your family members if you are involved in an accident as a pedestrian.
An Example of Medical Payment Coverage:
Let's say you are injured in an accident where your car slid into a ditch. The result is $2,000 in medical bills. When you called for your auto insurance quote, you selected $1,000 in Medical Payments coverage. If you didn't have health insurance, you could use your Medical Payments coverage, up to the $1,000 limit you selected, to help pay the resulting medical expenses. You would then only be responsible for the remaining $1,000 in medical bills.
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The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to individuals meeting our underwriting criteria and state availability.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Towers Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.
