Medical Payments Coverage

Medical Payments Coverage

As Tucson and Phoenix car accident lawyers, we speak to many people who are injured by others who do not carry medical payments coverage. When you purchase automobile insurance, you may have the option to purchase medical payments coverage. Medical payments coverage acts like health insurance, as it pays for any reasonable medical expenses that are incurred as a result of a motor vehicle collision. Unlike underinsured and uninsured motorist coverage, medical payments coverage is available regardless of fault. For example, if you run a red light and cause a collision, your medical payments coverage will pay for any medical bills that you incurred as a result of the collision, e.g. ambulance, hospital, physical therapy, etc.

Generally, medical payment s coverage extends to the driver and occupants of a vehicle. However, it may also follow the insured(s) as a pedestrian, bicyclist, or into another motor vehicle. It is important to note that the scope and breadth of medical payments coverage always depends upon the express terms of your insurance contract.

If you are considering whether or not to purchase medical payments coverage, the two most important things you should consider are as follows: (1) whether or not you have health insurance and (2) whether or not you can afford your health insurance co-pays or co-insurance in case of an automobile related injury.

If you've been injured in any type of accident call injury lawyer at Zanes Lae at (520) 777-7777.