Auto medical payments can protect you differently from your auto liability coverage or your health insurance policy. Read on to get the facts on auto medical payments, and find out whether you really need this kind of auto insurance. Understanding your policy’s medical coverage is easier with the clear, thorough information we’ve got about med pay, PIP, and more.

Medical Payments Coverage vs. Health Insurance: Must I Carry Both?

Medical Payments Coverage vs. Health Insurance: Must I Carry Both?
By Lori Mandell

Auto insurance and health insurance can be very expensive.

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Auto Medical Payments: What Does it Cover?

Auto Medical Payments: What Does it Cover?
By Helga E. Schauer

Medical Payments Coverage is listed on the Declarations Page of your auto policy.  Even insurance policies issued through an “assigned risk plan” can include Medical Payments Coverage. It is a coverage which pays for medical treatment and funeral expenses incurred by the insured and any family members resulting from an accident.  This coverage is no-fault.  Because this coverage is no-fault your premium is not raised if a claim is made under the coverage.   It does not cover the other driver or passengers in a crash. That exposure is covered under Auto Liability Coverage. 

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