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Medical Payments
Medical payments is an optional coverage in Texas that pays for medical and dental
treatment, hospitalization, professional nursing services, prostheses, and funeral
expenses if a covered driver and/or accompanying passengers are injured while in an
insured vehicle, regardless of who is at fault in the accident.
Medical payments may also cover policyholders and their family members when they
are injured while riding in someone else's car or if a car hits them while on foot
or bicycling.
If you and your regular passengers already have health insurance that covers
similar expenses, medical payments coverage may be unnecessary. Check your health
insurance policy for details.
The coverage limit refers to the maximum amount that will be paid per person, per accident.
Uninsured/Underinsured Motorist Bodily Injury
If you choose to have uninsured/underinsured motorist bodily injury on your Texas policy
and you want it to apply to multiple cars, you must select the same limit for each car.
Also, the limits you choose must be less than, or equal to, your bodily injury limits.
If they’re less than your bodily injury limits, you’ll need to sign off in writing.
Esurance will send you the necessary forms with your Texas policy documents.
If the covered individuals are injured in an accident caused by a driver who has
no auto insurance or insufficient coverage, compensatory damages that a policyholder
is entitled to receive, will be covered.
If you’re injured in an accident caused by a driver who has no auto insurance
coverage, uninsured motorist bodily injury coverage covers the following expenses:
- Medical
- Lost wages
- Other general damages
- Injuries sustained in hit-and-run accidents
Uninsured/underinsured motorist bodily injury provides coverage to the
policyholder, authorized policy members, and passengers.
How much protection does this coverage provide?
The dual coverage limits you see in your Texas auto insurance quote refer to
the maximum amount that will be paid per person, per incident, respectively.
If the other driver is uninsured, this coverage can generally pay up to the
limit you purchase. If the driver is underinsured, this coverage typically pays
the difference between what’s covered by the other driver's insurance and what’s
covered by your bodily injury coverage.
If the limits you purchase are lower than an accident's costs, you’ll be
responsible for paying the amount over your limits, unless you’re covered by
health insurance.
Uninsured Motorist Property Damage
This coverage cannot be purchased without property damage coverage. Also,
if you want to buy this coverage on multiple vehicles, the limits must be the
same for each vehicle.
Uninsured motorist property damage provides coverage to insured vehicles damaged
in an accident caused by a driver who has no insurance coverage.
If you ever file a Texas auto insurance claim, you will be responsible
for paying a $250 deductible.
Who might benefit from buying uninsured motorist property damage coverage?
Uninsured motorist property damage coverage is offered in conjunction with your
collision coverage, because uninsured motorist coverage alone is insufficient
to cover all accident-related costs for your car. When you have collision coverage,
uninsured motorist property damage coverage will pay for the cost of your collision
deductible if your vehicle is damaged in an accident caused by an uninsured driver.
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