Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
quick coverage facts
- Covers you and your passengers
- Can kick in after health insurance limits are exceeded
- Offers additional protection to insured drivers who like to walk or cycle
what’s covered by medical payments coverage
In addition to funeral expenses, here are a few scenarios where medical payments coverage may kick in to help cover expenses:
- Passengers are hurt while you or a family member is driving
- You're injured as a passenger in someone else's car
- You're struck by a car while walking or cycling
- You require dental care after an accident
- You require extended nursing services or hospitalization while rehabilitating
- You require prosthetic limbs
Even if you have an excellent health care plan that covers injuries sustained in an auto accident, medical payments coverage can help your passengers if they get hurt. If you play chauffeur, consider the benefits this coverage can provide to those you drive from A to B.
medical payments coverage in no-fault states
In the states that offer or require no-fault car insurance, drivers' policies typically include personal injury protection (PIP). Some states that adhere to the traditional (fault) system still require PIP unless it's declined in writing. PIP can help pay for many of the same things covered by medical payments, and it can extend to wage compensation for any missed work due to an accident. Additionally, PIP limits are often much higher than the available medical payment limits.
But having PIP doesn't mean there's no use for medical payments coverage — unless you live in Texas, where you can't have both on the same policy.
If your PIP limits are exceeded after an incident, medical payments coverage can act as a safeguard, filling the gap between your PIP limits and actual medical fees up to the limits of your medical payments coverage. This can save you from having to pay more out-of-pocket.
Another reason to consider this coverage in a no-fault state: say you live in a large city where pedestrians run a heightened risk of being struck by cars in bustling crosswalks or blind alleys. If you tend to walk a lot, you might benefit from the pedestrian protection offered by medical payments coverage, which PIP doesn't offer in all states.
medical payments coverage and your health insurance
Consider your health insurance plan when you're building your car insurance policy.
If you don't have a health plan, your plan won't cover car accidents, or if your plan has low limits, you may want to add medical payments coverage. In some cases, this auto insurance coverage can actually help cover your health plan's deductible.
If you have a good, reliable health plan, you may not need all of the features that medical payments coverage offers. However, they can work together, and medical payments coverage can help cover things that aren't included in all health plans. If you have Medicare or Medicaid, for example, medical expenses related to a car accident may not be covered.
Check the specifics of your health plan or work with a licensed agent to find out if this applies to you.
How health insurance and medical payments coverage can work together
If you do have health insurance and you choose to add medical payments coverage, it can kick in after your health insurance limits are exceeded, or if your health insurance plan doesn't cover injuries related to car accidents.
adding medical payments coverage to your policy
If you're an Esurance policyholder and would like to add medical payments coverage, or just want to adjust your current limits and deductibles, you can log into your policy or call us at 1-800-ESURANCE (1-800-378-7262). We're here to help at these times.
See all coverages.
What is personal injury protection?
Find out more about personal injury protection, which is often available or required in no-fault states.
Bodily injury and property damage liability coverage
Find out how liability coverage offers financial protection in case you injure someone or damage their property in an accident.
More about car insurance
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