Selecting the right auto insurance for your needs is essential, but not always a straightforward process. Dozens of special types of car insurance exist, providing you with numerous options to keep your investment safe. One of the types of auto insurance you may wish to select is medical payments coverage. It is often called medical expense coverage as well. It can provide extensive levels of protection if you are involved in an accident for the medical bills you face afterward. Here are a few things you need to know about this coverage.
Medical payments coverage can help cover the medical expenses that occur after an accident specifically impacts you, your passengers and any other family members that might be driving your vehicle. The key to this type of policy is that it does not matter who is at fault. The coverage kicks in whether you cause the accident or the other driver does. Most policies also provide financial protection if you or your family member is injured as a pedestrian by another car.
The policy will have an upper limit, or the highest amount of claims it will cover. From there, it can provide financial coverage for medical claims stemming from the accident. Those might include:
- Medical visits, including to doctor offices
- Hospital costs, including ER visits and longer stays
- Surgery coverage
- X-ray and other diagnostic testing deemed necessary
- Fees for ambulance and EMT costs
- Long-term care for rehabilitation if necessary
- Prostheses and other devices if deemed necessary
Keep in mind that this type of auto insurance is not necessarily standard. When you are shopping for car insurance, take the time to read through the policy carefully. If medical coverage is not specifically mentioned in the policy, consider adding this component of coverage. It may provide you with extensive protection from costly medical bills.
Even if the other driver is at fault and you have health insurance, this type of coverage can help minimize the out-of-pocket costs associated with a vehicle accident. Those can amount to thousands of dollars in a minor accident. These policies tend to be affordable and they offer extensive coverage in most cases, giving you peace of mind.
Do you have this valuable coverage? Call Low Rate Insurance Agency at (817) 635-0375 for more information on Grand Prairie auto insurance.