Did you know…

We all know how expensive medical treatment can be and how easy it is to rack up the bills. This scenario becomes all the more apparent when someone is the victim of a motor vehicle accident and suffers debilitating injuries. Given the high cost of affordable health insurance, there is a way to protect yourself against skyrocketing health costs associated with a motor vehicle accident.

Did you know that for relatively short money (e.g. $15 to $25 depending on your insurance company) you can add optional Medical Payments coverage on your automobile insurance policy? Medical Payment insurance covers the reasonable and necessary medical expenses incurred as a result of a motor vehicle accident involving any of the following people:

• Anyone who is occupying your vehicle at the time of the accident with consent (including you or a household member) and
• You or any household member if struck by an automobile as a pedestrian or if occupying someone else’s vehicle at the time of the accident with consent.

Optional Medical Payments coverage is usually purchased in $5000 increments and will provide coverage for your medical expenses in addition to the $8000 mandatory coverage under the compulsory PIP (Personal Injury Protection) coverage. However, because the PIP coverage also reimburses one for lost wages resulting from the accident, often times there is not adequate coverage for all of one’s medical expenses and lost wages resulting from an accident from the mandatory PIP coverage. Medical Payments coverage offers additional protection and allows one to obtain the medical treatment necessary for injuries resulting from a motor vehicle accident and we highly recommend purchasing this coverage.