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Yes. That’s one of the nice things about this form of car insurance.
While some states require you to have medical payments protection in order to drive or register a car, most don’t. In fact, you can’t even purchase this insurance in some states.
Medical Payments Coverage Defined
So, what is medical payments insurance?
It’s insurance that covers medical expenses (and related costs) if you’re in a car accident - and sometimes even if you’re hit with a car while walking or biking. It also protects others traveling in your car.
What Medical Payments Coverage Pays For
Medical payments insurance can pay for doctor’s visits, prescription drugs, home nursing services, funeral costs, health insurance deductibles, dental care, chiropractor sessions, and other similar matters stemming from an accident.
In short, it pays for a lot of out-of-pocket expenses that wouldn’t be covered by your health insurance plan because of your deductible and co-pays. This auto insurance coverage shouldn’t be seen as a replacement for your health insurance policy; rather, think of it as supplementary coverage.
Purchasing Medical Payments Insurance
Good news. This is one of the cheapest types of liability auto insurance, and almost all carriers sell this protection.
Even though it’s relatively inexpensive, it doesn’t hurt to snoop around online to find the best rates for it. And, while doing so, also compare your overall car insurance costs, such as for no-fault insurance.
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