Auto Insurance Medical Coverages
The right auto insurance can give you a sense of security when you put your dreams in drive, so when you turn the key and hit the highway to pursue your passions, you know you’re being protected. See how medical payments insurance can help protect you should the unexpected happen.
What is Medical Coverage?
Medical expense coverage helps cover medical payments for injuries sustained in an auto accident — regardless of who is at fault. It generally covers you, your family members and your passengers occupying the vehicle at the time of the accident. You’re also protected in the event you’re hit while walking or cycling.
How Does Medical Expense Coverage Work?
Medical expense coverage is an optional auto insurance coverage that offers medical protection in the event you, your relatives or your passengers are injured in an auto accident. Below are a few of many scenarios where you may be protected by medical payments coverage:
- Funeral expenses resulting from an accident
- If you’re a passenger in a friend’s car and you’re injured in an accident
- If you’re struck by a car while you’re out for your evening walk or bike ride
- If passengers are hurt while you or a family member is driving
Keep in mind, even if you have a great health care plan, medical expense coverage protects your passengers if they’re injured — but your health insurance only protects you. If you play chauffeur and drive the neighborhood kids to school, or you carpool weekly with a co-worker, consider the financial risks you could face if in an auto accident.
Curious About Other Coverages?
Chances are if you’re injured in an automobile accident, your vehicle was probably damaged, too. To really help you feel secure on the road, check out these other coverages that protect you, your vehicle and other drivers.
Collision insurance. Collision insurance helps pay to repair or replace your vehicle if you’re involved in an accident with another vehicle or if you hit an object, like a tree or pole.
Comprehensive coverage. Comprehensive coverage is usually paired with collision insurance, and covers you if your vehicle is damaged by a storm, hail, falling objects, even theft and vandalism. Most lenders, whether you have a car loan or are leasing, will require you to have both collision and comprehensive coverage.
Bodily injury liability coverage. If you cause a crash and injure someone in another vehicle, you’ll be covered by the bodily injury liability coverage of your auto insurance policy, which will help pay for their medical bills and other damages they may be legally entitled to claim.
Property damage liability coverage. If you cause a crash and someone else’s car is damaged, you’ll be covered by the property damage liability coverage of your auto insurance policy, which will help pay to repair their vehicle (or other property damaged in the accident, like their luggage).
Uninsured and underinsured motorist coverage. These separate but similar coverages help you out in the event you’re hit by a driver who has no insurance or has some insurance, but not enough. Also, if you’re in a hit and run, these coverages have your back. If you don’t have uninsured or underinsured motorist coverage, you could be dealing with a big headache and having to pay out of pocket for any injuries you sustain.
Check in with your American Family Insurance agent to see how customizing your car insurance policy with coverages like medical payments insurance can help you feel more secure and confident on the road.