Is Health Insurance Part Of Your Auto Insurance Policy?
With healthcare reform headlines monopolizing the news lately, most people have become aware that there are literally millions of people living in the United States – the wealthiest country in the world – who cannot afford to pay for health insurance through traditional health insurance carriers. However, did you know that even if you don’t have a traditional health insurance policy, you probably have some medical benefits that are a part of your private car insurance policy?
If your auto insurance policy is in effect then the automobile insurance carriers have covered some of your medical benefits with what they refer to as “Medical Payments Coverage.”
Quite a high percent of all of the people who own a car and make a monthly car insurance payment don’t even realize that a percentage of their monthly premium may defray medical bill costs if they or one of their household members gets involved in a car accident.
Many car insurance policies have a Personal Injury Protection or Medical Payments portion that will pay for medical expenses if they are the result of a traffic incident or a traffic accident. And, if you’re not in your car but you are hit by a vehicle, you would also be covered by this section of your auto insurance policy.
So, for example, if you’re just walking down the street, be it public or private, or if you’re in a parking lot or on a sidewalk and you’re struck by a motorcycle, bus, van, SUV, truck, or car, then you might also have this coverage provide for your medical expenses. In a lot of such cases an auto insurance policy that is held by any member of your household will defray the cost of your medical bills – even when you’re not listed as a driver on the automobile policy.
This could also hold true if you are a passenger who is in a car that’s involved in an accident in a family car that’s insured.
In addition, if you’re involved in an accident and the at-fault owner or driver of the other car doesn’t have any car insurance coverage that’s current at the time of the incident, then the Uninsured Motorist and Underinsured Motorist Coverage of a car insurance policy may also either partially or full defray the cost of any medical bills that are related to the accident. The medical payments could also be available to you if the owner or driver of the other car doesn’t have enough coverage to pay for the hospital and/or medical bills that result from the injuries that you sustained that were caused by the accident.
Since auto policy rules and regulations can vary from one state to the next, get in touch with your carrier or agent to find out if your auto insurance covers accident related medical expenses.
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