Monthly Archives: August 2014
Answer: Medical payments coverage pays up to the stated maximum for your medical bills incurred in an accident. It will also pay up to the stated maximum of the medical bills of anyone occupying your car. Also, coverage usually applies for injuries incurred in the loading or unloading of the vehicle. So if your hand is accidently slammed in the car door and you go to the E.R. for treatment, the medical payments coverage will typically apply.
Question: If I am involved in an auto accident caused by another driver why should I use my medical payments coverage or health insurance? My bills should all be paid by the other driver.
Answer: If the other driver is legally responsible for the accident, that driver is responsible to pay for your injuries, including your medical bills. But often, the other driver has no insurance or does not have enough insurance. Also, the claim process could continue for many months while you are receiving treatment. Thus, you may need to use your own coverages to help pay for the bills. Starting your claim by using all coverages available to you is usually the best way to proceed. Another reason to use your medical payments coverage in this scenario is that the at-fault driver cannot use your medical payments coverage to reduce his obligation to pay for your injuries. So you may use your medical payments coverage to pay for your doctor’s bills and then keep those payments from the other driver when the other driver pays for the loss through a settlement or…
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