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Insurance - Head Matters


6. Auto Insurance

d. Medical payments coverage

This covers medical and death benefits for you, your family members and others riding in your car who are injured or who die because of an accident. This is stated as a maximum amount, such as $5,000, for each individual. For example, if you have an accident and three of your friends riding in the car are injured, the insurance company will pay up to $5,000 for each person for medical expenses. Medical-payments coverage also covers you and your family if you or they are injured or die in an accident while riding in another person’s car. If you cause an accident and you have health insurance, your health insurance should cover the injuries to you and your family. But health insurance does not provide a death benefit. This is one reason why people carry medical-payments coverage.

Another reason is that their state requires it. A third reason is that it supplements bodily-injury liability coverage for nonfamily members who are riding in your automobile. Medical-payments coverage generally supplements other types of coverages.

Who might benefit from buying Medical Payments coverage?

  • People who don’t have health insurance that adequately covers the expenses
  • People who carpool or frequently drive with passengers might want to consider Medical Payments Coverage. If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary.
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