Medical Payments Coverage
This coverage protects the policyholder and/or passengers in the event of an accident, no matter who was at fault. Medical payments coverage pays for funeral costs and/or medical expenses, including emergency room visits, x-rays, doctor care, hospital stays and more. This type of auto insurance may cover policyholders and their family members when in others' vehicles, or when they are on foot and hit by a car.
Is Medical Payments Coverage Right for You?
Medical expenses may be covered by an individual's health plan. However, medical payments coverage may help pay for those expenses not covered, such as dental treatment, professional nursing services, or prostheses. When purchasing medical payments coverage, you should consult your health insurance provider to ensure you are not duplicating coverage. Unlike Personal Injury Protection, medical payments coverage does not cover loss of income or loss of services. This coverage is strictly medical, except in cases where it pays funeral costs.
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The following table outlines state-by-state medical payments coverage requirements. Refer to state-specific pages for detailed auto insurance requirements.
AL - FL | GA - LA | ME - NH | NJ - RI | SC - WY
State |
Medical Payments Coverage
Required? |
Minimum Coverage Amount Required *if purchased |
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1 Medical Payments Coverage is not required by law, but must be rejected in writing if not purchased.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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