Last updated on March 1, 2003
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AUTO INSURANCE
Medical payments: Coverage You may not Need
If you have coverage for medical payments on your car policy, you and your family
members are entitled to reimbursement of medical costs resulting from auto accidents while
in your car or someone else's car, or if you're injured by a car while walking
or bicycling, regardless of who is at fault.
Your guests qualify if they are injured in your car. Medical-payments coverage is
typically $1,000 to $10,000 for each person protected by your policy. It would cost you
relatively little to raise the coverage to a higher amount.
The company will reimburse a wide range of expenses, from eyeglasses to funeral costs,
subject to varying conditions. One policy may pay medical expenses only for the first year
after an accident, another for the first three years afterward, and still another up to
five years, provided you buy more than a stipulated amount of protection.
Payments may be reduced by any amount that you receive or are entitled to receive from
other parts of the policy or from other sources. In certain situations the company may pay
only expenses that exceed the compensation obtainable from other insurance.
Before you consider additional medical coverage, check to see if it would duplicate
coverage you already have under other medical policies, especially comprehensive,
high-limit health insurance.
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Medical: Coverage You may not Need
