Does Personal Auto Insurance Pay Medical Bills?

​After a traffic accident, basic health insurance coverage can assist in paying for things like hospital bills and burial costs. It's a supplementary type of automobile insurance that normally protects the policyholder and any relatives who could be in the car with them. Medical Payments Coverage, or MedPay, is insurance that pays for medical expenses regardless of who was at fault.

Comparing Healthcare Expenses Insurance and Car Insurance
Eligibility for medical costs is discretionary. If you are at fault in an automobile accident and lack basic health insurance coverage, you will have to foot the amount yourself.

In contrast, most jurisdictions mandate automobile liability insurance. Your liability insurance will not cover your and your passengers' medical expenses following an automobile accident.

Your automobile insurance provider's accidental damage liability policy kicks in to compensate for the other driver's medical bills if you cause a collision. Similarly, if you are hurt in an accident that was someone else's responsibility, their car insurance can contribute to your medical costs.

Expenses That Health Insurance Could Cover
No matter who was at blame in the vehicle collision, your medical expenses coverage should apply in every state. Therefore, it may be utilized to reduce the overall expense of:

• Medical checkups
• Procedural or operative medicine
• Price of a funeral
• Costs associated with medical care, such as deductibles and copayments
• Care from a nurse or hospitalization for an extended period
• Costs associated with an ambulance ride
• Adapted artificial limbs
• Work done at the dentist's office

How Does It Work?
In the aftermath of a mishap, you would initially foot the tab for your healthcare before turning to your MedPay provider for compensation. There will be no out-of-pocket expenses for health insurance deductibles and copayments.

MedPay policies often have modest coverage maximums. They're meant to augment existing insurance policies or pay for emergency costs like medical care and burial in the event of an accident.

Who Can Receive Medical Benefits from Auto Insurance?
In the case of an accident, both the driver and any passengers in the vehicle are covered by this insurance. As a pedestrian, you are also more protected. This implies it can be used to offset the cost of medical care if:

• During an automobile accident with a companion, you sustain injuries.
• It's you or a member of your family who causes harm to other people in the automobile.
• While crossing the street, you are struck by a vehicle.

Drive Safe and Be Protected
Both medical expenditures and personal injury coverage are types of automobile insurance that can help pay for costly medical care after an incident. Both are available as add-ons in "liability" jurisdictions where drivers who cause accidents must submit claims with their health insurers.

At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at  (317) 298-7500. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!