We have talked about uninsured/underinsured motorist coverage here before. Many people also pay a premium to their auto insurer for medical payments coverage. This sort of insurance pays medical expenses on behalf of a covered individual injured in an auto accident. Covered people typically include anyone in the covered vehicle at the time of the accident, including passengers. For coverage under this portion of the automobile policy, fault does not matter. There will be coverage for medical expenses if there is an injury in an insured vehicle.
This type of insurance coverage has several practical benefits:
– Medical payment coverage can, and often does, overlap with other insurance (such as health insurance) that might apply, in order to cover copayments and deductibles.
– Medical payment coverage will cover prescription and other out of pocket expenses that might not otherwise be covered under health insurance.
– If trial of a personal injury lawsuit becomes necessary, the payment of medical expenses by medical payment coverage, as opposed to that of discounted health insurance, can more fully reflect the actual value of the medical services and thereby mirror the real extent of injury. This fact makes the jury realize the full extent of injury to a victim, as opposed to a “discounted” claim, resulting from health insurance payments of less than the real value of a medical bill.
I encourage clients to take advantage of the premiums they have paid over the years for their medical payment coverage. It would be a mistake, in my opinion, to purchase this overlapping coverage and then fail to utilize it.
Please feel free to contact our office with any questions regarding medical payment coverage or any other injury related issues.