Medical Payments Coverage in your car insurance policy is a crucial part of protecting your family.

By Ben Sessions on January 23rd, 2020 in Car / Auto Accident

I have made several other videos in which I talk about uninsured motorist coverage and why that is important. That is something that, as a car accident attorney, I try to share with as many people as possible because I see so many people who are injured in car accidents and the at fault party doesn’t have enough insurance to cover their injuries. Similarly, medical payments coverage is something you should consider adding to your insurance policy if you do not already have it.

Many of my clients don’t have knowledge about medical payments coverage, why it is important, when it is used or even how much it costs. This is not their fault. In fact, many insurance agents fail to make consumers aware of medical payment coverage as an option.

What is medical payments coverage?

Many cases we handle involve a client being injured by another person’s negligence. In those cases, the person who was at fault for the accident pays the injured party for their losses.

But what if you are the driver responsible for the accident? Who will pay for your medical bills? Medical payments coverage will help cover the cost of medical treatment for your injuries even if you are the person responsible for those injuries.

Whether or not you are responsible for your accident injuries, medical payments coverage will kick in and help you pay your medical bills.

What are the benefits of medical payments coverage?

For many of my clients, the biggest hurdle they experience after an accident is getting treatment for the accident and paying the deductible under their health insurance plan. Most of us have deductibles that are fairly high, and we probably are not planning to pay out that deductible as the result of a random accident.

When reviewing your insurance policy, you should consider adding medical payments coverage to cover the deductible. This will ensure that you have enough funds to pay for emergency medical treatment following an accident.

The best part? Medical payments coverage is not expensive and may only be an additional $10-$15 per month. It is a great way to offset the cost of your deductible under your health insurance plan and cover your medical payments whether you are responsible for your accident or not.

If you have questions about a car accident, dealing with insurance or how to pay your medical bills after an accident, I encourage you to call our office today for a free consultation.