Auto Crashes and Medical Payment Coverage with auto insurance policies being made mandatory by the law and the rates of traffic accidents on the rise, getting the right type of coverage when it comes to your auto insurance policy is important. This includes knowing what your claims are and what rights you are entitled to. When it comes to auto crashes, medical payment coverage is a matter of great concern for drivers. Drivers involved in car accidents are likely to face high costs when it comes to medical care. Many individuals are unaware of the fact that there is coverage available today that offers protection for all medical costs. Let’s take a look at how you can have your accident related injuries covered by your auto insurance policy.
Basic definition of auto crashes medical payment coverage
Medical payment coverage or medical expenses or MedPay is the name given to coverage that helps to pay off any medical and funeral expenses related to an automobile accident. This option is usually available with all auto insurance policies. Medical payment coverage covers expenses relating to the stakeholder of the policy, their family members driving the vehicle and any passengers present in the vehicle at the time of the car accident. This type of coverage is applicable no matter who is at fault and can also extend to injuries being covered outside the car.
Expenses being covered under your medical payment coverage
There are a number of expenses that come under your medical payment coverage of your auto insurance policy. They include the following:
- Any X-rays, radiographs and surgeries being conducted by the hospital
- Fees of the ambulance and EMT
- Visits to the hospital and doctor, any stays in the hospital room
- Payment for any prostheses
- Professional nursing care and services
- Dental treatment required as a result of the auto accident
- Any sort of injuries sustained when walking as a pedestrian or riding a bicycle when a vehicle hits you
- Any expenses related to the funeral of those involved in death due to the auto accident
How much can medical payment car insurance cost?
When it comes to cost, there is a certain rule that should be kept in mind when considering medical payment car insurance as a part of your auto insurance policy. All policy holders are liable to choose a maximum limit when it comes to how much coverage should their medical coverage pay out. This in turn affects the increase in cost of their auto insurance policy. The greater the coverage offered in terms of medical care, the higher will be their cost of auto insurance policy.
In the unpredictable world of today, it’s better to be safe than sorry. Having coverage for medical care is crucial for the reasons outlined above. This can truly prove to be beneficial in an unfortunate circumstance of an automobile crash.