When you look closely at your auto insurance policy in Flushing, MI, you will notice a premium for medical payments, frequently called MedPay. You may wonder why you have this section if you also have medical insurance. Won’t your health policy cover any injuries sustained in an accident? The experts at Vernon Agency can help you understand why insurers include this critical coverage.
What MedPay Covers
Some accidents cause injuries that require immediate medical attention. MedPay takes care of immediate medical costs for you and your passengers, regardless of who is at fault. This coverage also protects you outside your vehicle. If you or a family member is hit by a vehicle while walking, riding a bicycle, or traveling in someone else’s car, MedPay coverage usually still applies.
Common costs covered by MedPay are:
- Ambulance transportation
- Emergency room visits
- Consultations with doctors and specialists
- X-rays
- Hospital stays and surgeries
- Prosthetics
- Rehabilitation therapy
- Dental work
- Funeral expenses
Key Coverage Benefits
Many people see no-fault coverage as the most significant benefit. However, other benefits may be just as valuable, or even more so. Liability claims against another driver can take months or even years to settle. This insurance kicks in immediately, helping to pay for needed treatments. MedPay also typically pays up to 100% of eligible medical bills up to your policy’s chosen limits. It can also help fill the gaps in your personal health insurance by paying for out-of-pocket deductibles, copays, or coinsurance costs. If you have a strong health insurance policy, MedPay might seem redundant, but some drivers take a low-limit provision that can act as a safety.
Learn more about how the different parts of your auto insurance work in Flushing MI, by contacting Vernon Agency. Call our office today to speak to our policy experts.
