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Get a Free Consultation. Inicio Auto Insurance Medical Payments vs. Auto Insurance Medical Payments vs. Hilda Sibrian June 8, Insurance Information. Retrieve a saved quote. Skip to main content Explore Allstate. Popular Searches. Allstate We help customers realize their hopes and dreams by providing the best products and services to protect them from life's uncertainties and prepare them for the future.
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Get your ID cards. Published: November Medical payments coverage is part of an auto insurance policy. If you're injured in a car accident, medical payments coverage may help pay the following expenses for you or your passengers: Health insurance deductibles and co-pays Doctor or hospital visits Surgery, X-rays or prostheses Ambulance and emergency medical technician fees Professional nursing services.
Quality Auto Coverage Starts Here. Get a quote Find an agent. But, there are three main differences between PIP and medical payments coverage: PIP is available in "no-fault" states. Medical payments coverage is offered in states that aren't "no-fault.
The difference lies in the who is at fault for the accident and who is protected by the insurance. Bodily injury liability insurance. This protection covers the driver s and passengers of other vehicles involved in an accident, as well as any other pedestrians or bystanders injured in the accident when you are responsible. Your passengers are covered as well, except in certain states where resident family member passengers are excluded.
Medical payment insurance. This is also known as auto insurance medical coverage, and it covers you, your family members and passengers of your vehicle at the time of the accident regardless of who is at fault. Here are the types of things bodily injury insurance can cover:. Medical expenses for others involved.
Your insurance will help cover things like emergency medical care, hospital bills, follow-up doctor or hospital visits and medical equipment costs, such as the cost of wheelchairs, crutches or braces. Physical pain. Personal Finance. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page. These choices will be signaled globally to our partners and will not affect browsing data.
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