Texans Are Able to Get Medical Payments From Car Insurance.
Often, when people consider the necessary car insurance coverage to buy, they worry most about the financial implications of damage to their vehicle. However, when you take a look at the bigger picture, it is easy to see that your health is far more important than your car.
To ensure you are covered for your medical expenses after an unfortunate accident, you can purchase medical payments coverage.
What Does Medical Payments Cover?
Medical payments coverage generally pays for medical costs after you are hurt in a car accident, regardless of who is found at fault for the accident.
Additionally, medical payments insurance may help pay for:
Injuries sustained by your passengers.
Injuries you sustain as a pedestrian or bicyclist after a car hits you.
Necessary dental care as a result of a car accident.
Benefits and restrictions of medical payments coverage will differ amongst car insurance companies.
Your Health Insurance
One of the biggest factors you should consider when looking into medical payments coverage is your health insurance.
If your health insurance provides excellent coverage for injuries you suffer in a car accident, you may have very little need for medical payments coverage.
However, if you find your health insurance does not cover these types of injuries, it can be a very good idea to buy medical payments coverage.
Medical Payments Coverage as Secondary Insurance
You may also have the ability to use medical payments coverage as secondary insurance to your health insurance. This means that if you are hurt in an accident, your health insurance will cover you up to its limits.
Once your health insurance limits are met, your medical payments coverage will cover you up the limits written in your car insurance policy.
Texans Are Able to Get Medical Payments From Car Insurance, Your car insurance can provide money for medical bills as well as property & liability claims