What is covered?
Medical Payments coverage covers you if you are involved in an automobile accident and consequently incur medical or funeral expenses due to bodily injury sustained in an accident. This coverage also protects you and relatives who reside in your household while in other vehicles or if struck as a pedestrian. Certain exclusions may apply.
What does it pay?
The limit that you select will be the most that will be paid to each person insured on your policy in one single accident. This coverage pays per person after all other coverages that may apply have been used regardless of fault.
Why do I need this?
Many people buy this coverage to supplement their health insurance coverage. It is a very inexpensive supplement to your medical insurance when you are involved in an automobile accident.
You are involved in an accident where it has been determined that the total medical expenses for you and your passengers is in the amount of $55,000 dollars. The other driver was at fault and only had Bodily Injury coverage limits of $25,000 per person/$50,000 per accident. You did not have Uninsured / Underinsured Motorists coverage. You have selected a limit of $5,000. The insurance company of the at fault driver would only be liable to pay up to $25,000 per person injured but no more than $50,000 for this accident for you and your passengers medical expenses. Your Medical Payments coverage would pay up to $5,000 dollars for the remainder of your medical expenses.
Your coverage limits, deductibles, and certain exclusions may apply. Please read your auto insurance policy for details.