Medical Payment Coverage
Most importantly, medical payment coverage is supplemental insurance coverage. But it helps pay for medical bills that result from an accident, no matter who is at fault. However, this type of coverage is not a requirement by the State of Illinois.
Therefore, medical payment coverage may help pay for:
- Funeral costs
- Injuries sustained by passengers
- Injuries sustained as a pedestrian or cyclist
- EMT and ambulance fees
- Hospital visits and stays
- Doctor visits
- Surgery and X-Rays
- Nursing services
- Dental procedures needed after an accident
So, to determine if you need to buy this extra protection, look at your own health insurance policy. Because, if the policy doesn’t provide enough protection after you’re hurt in a car accident, you may want to consider buying medical pay coverage. If it does, medical payment coverage may not be a necessary expense.
Medical payment coverage follows the policyholder. Your medical payments coverage remains active as a passenger in another person’s car. Even if you are not in the state you are insured.
How does medical payment coverage work?
It can either work as primary coverage or as a supplement to existing health insurance. This depends on the insurance company and the specific policy. Medical pay is not meant to replace health insurance.
Do you have any questions regarding liability coverage limits, auto insurance rates, or personal injury protection (PIP)? Our agents and customer service representatives are here to help with your auto accident needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices open from 8 a.m. to 9 p.m. CST. Moreover, they are open 7 days a week.
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