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Is medical payments coverage mandatory?
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Maybe.
Some states require medical payments insurance, while others don’t. So, the answer to the question depends on where you live.
However, most states do not require this type of car insurance.
Medical payments insurance can pay for doctor’s visits, prescription drugs, dental care, chiropractor services, and home health care. But, it also can cover your health insurance deductible, lost employment wages, and funeral costs.
And, all of this applies even if you caused the accident.
This type of insurance coverage can also pay for your medical expenses if you’re hit by a car when walking or riding a bike.
Keep in mind, though, that medical payments coverage shouldn’t be a substitute for a health insurance policy, as the coverage will only go so far.
While medical payments insurance is relatively affordable – compared to other types of liability auto insurance – it still doesn’t hurt to shop around online to find the best auto insurance quotes.
Some states require medical payments insurance, while others don’t. So, the answer to the question depends on where you live.
However, most states do not require this type of car insurance.
What is Medical Payments Coverage?
It’s a form of auto insurance that pays medical expenses and helps with other financial matters if you’re in a car accident. These are often out-of-pocket expenses that you’d be stuck paying for even if you had other forms of insurance. And, your coverage extends to other passengers in your vehicle.Medical payments insurance can pay for doctor’s visits, prescription drugs, dental care, chiropractor services, and home health care. But, it also can cover your health insurance deductible, lost employment wages, and funeral costs.
And, all of this applies even if you caused the accident.
This type of insurance coverage can also pay for your medical expenses if you’re hit by a car when walking or riding a bike.
Keep in mind, though, that medical payments coverage shouldn’t be a substitute for a health insurance policy, as the coverage will only go so far.
Where Can I Buy Medical Payments Insurance?
Almost all car insurance companies offer this insurance. But, be aware that it’s not permitted in every state, so call your insurer to see if it’s available to you.While medical payments insurance is relatively affordable – compared to other types of liability auto insurance – it still doesn’t hurt to shop around online to find the best auto insurance quotes.
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