Medical Payments Insurance Coverage, How Does It Benefit You?

Medical Payments Coverage pays for reasonable expenses incurred for necessary medical expenses and or funeral services due to bodily injury related to a covered accident. Please note how one company defines whom this coverage applies to and in what situations:

Under this Coverage we will pay all reasonable expenses actually incurred by an insured within one year from the date of accident for necessary medical, surgical, x-ray, dental services, prosthetic devices, ambulance, hospital, professional nursing and funeral services. The one year limit does not apply to funeral services. In addition, these expenses shall be submitted for payment within two years from the date of the accident.

This coverage applies to: 

1-You and each relative who sustains bodily injury caused by accident:

a)    While occupying the owned auto; or While occupying a non-owned auto if you or your relative reasonably believe you have the owner’s permission to use the auto and the use is within the scope of that permission; or When struck as a pedestrian by an auto or trailer.

 2- Any other person who sustains bodily injury caused by accident while occupying the owned auto while being used by you, a resident of your household, or other persons with your permission. 

Car Accident Medical Payments Coverage Example:

You and your friend Stephanie are traveling over the Memorial Day weekend to your cousin’s condominium in Cleveland Ohio when you fall asleep and drive off the road in a single car accident. Fortunately there were no serious injuries but you break your collarbone and Stephanie breaks her left arm.  You are transported by ambulance to the local hospital. Neither you nor Stephanie carries health insurance. 

What Happens Next?

Fortunately you did purchase medical payments coverage in the amount of $10,000 for each person. Your bill amounts to $6100 including the ambulance transportation, and Stephanie’s medical bill amounts to $3251.

Your medical bills are paid in full by your medical payments coverage on your automobile insurance policy.

When You Buy Automobile Insurance in Cincinnati Make Sure You Get Enough Medical Payments Coverage!

Buy as much medical payments coverage as you possibly can afford.  Any amount of money not paid by your insurance company would need to be paid by the person responsible for the car accident.

When Shopping for Automobile Insurance in Cincinnati Call 513-662-7000 to obtain up to 20 insurance quotes from top rated companies in your area.