How Auto Insurance Provides Additional Health Coverage

Many individuals have health insurance through their employer’s group plans or by purchasing private health insurance. But automobile insurance companies also offer policy holders a way to extend their existing health coverage by selecting an option known as medical payments coverage when purchasing their auto insurance policy. The purpose behind adding medical payments insurance to your current automobile insurance coverage is to cover a variety of medical expenses that may occur following an auto accident in which personal injury and medical bills may occur.

Benefits of Medical Payments Coverage in Auto Insurance

Car Accident and Additional Health Coverage in Auto InsuranceRather than having to absorb all of these medical expenses as an out of pocket cost following a car accident, a driver covered by medical payments on his policy may be covered for such costs as ambulance services, visits to the doctor, hospital stays, X-rays and lab tests, and even surgery. Medical payments coverage not only covers the driver and his passengers, it can protect the policy holder from financial devastation after their own health insurance limits of protection have been reached. Medical payments are also designed to cover medical and funeral payments for driver and passengers no matter who is judged to be at fault in an accident.

Medical Payments Coverage in Auto Insurance Applies Even When Not Driving

Medical payments coverage can come in handy if the driver who includes it in his auto insurance policy is injured when they are a passenger in a friend or family member’s automobile. It kicks in to provide medical payments when the policy holder is hit by a car while they are a pedestrian or bicyclist rather than driving a vehicle. Medical payments coverage can help to defray the costs of dental care incurred due to an accident. Policy holders are also covered if they require hospitalization or nursing care during their recuperation from an accident. And having medical payments coverage even extends to the cost of acquiring prosthetic limbs due to car accident injuries.

Health Coverage in Auto Insurance Tops Up PIP and Other Coverages

Having medical payments coverage in place can also prove to be very helpful financially in those no-fault states where Personal Injury Protection (PIP) coverage is often automatically included in an auto insurance policy. Once PIP limits have been exceeded, medical payments coverage can kick in and help prevent having to pay all of your unexpected healthcare costs out of pocket.

For individuals who do not currently have a private health insurance plan, have a plan in place that doesn’t cover medical expenses due to car accident, or has a plan with very low limits, opting for additional health coverage by paying a few dollars more each month to add medical payments coverage to your auto insurance policy is a very smart idea. Also, low-income individuals or seniors who use Medicare or Medicaid as their primary health insurance, are not covered for medical expenses due to car accident and can benefit by including additional health coverage when purchasing their personal auto insurance.