Should I Get Auto Insurance Medical Payments Coverage

Auto insurance medical payments coverage is an optional part of a policy that covers medical bills that result from vehicle accidents. It also covers you if you're a pedestrian and you get hit by a car. This type of insurance always covers any medical bills, regardless of fault. Whether or not you should buy medical payments coverage depends on a few factors, so you should think carefully about whether it's right for you before you buy it.

Where You Live

In some states, medical payments coverage only pays after certain other auto insurance parts as well as your health insurance have been exhausted. This means that if you are sufficiently covered by your health insurance and other areas of your auto insurance policy, it would be a waste of money to buy medical payments insurance. Be sure to research your home state's medical insurance laws to see when medical payments coverage begins.

Other Considerations

Before you decide whether or not to buy medical payments coverage, think about what kind of car you drive. If you ride a motorcycle or some other relatively dangerous vehicle, not only are you more likely to get expensive medical bills in the event of an accident, but your insurance policy is also probably much more limited in medical coverage. If you frequently drive with lots of passengers, it's a good idea to buy medical payments coverage. If your passengers don't have adequate health insurance to cover injuries resulting from an accident in your car, you will need medical payments coverage to cover those costs.