How familiar are you with the medical payments coverage in your automobile insurance policy? Do you understand who is eligible for payments and when? Understanding medical payment benefits can be complicated and confusing when you are in good health. Navigating these same benefits can be daunting after you have been injured in a vehicle collision. Mingus Mountain Law Group represents victims of vehicle collisions in Prescott and Flagstaff, and we want to help you understand what medical payments cover before you suffer an injury.
Medical payments coverage allows an injured occupant of your vehicle to receive payments to help cover necessary medical expenses which occur as a result of a collision. One of the advantages of this coverage is that it does not matter who is at fault. If you have medical payments coverage included in your insurance policy, there are a few common provisions that dictate who is covered.
Medical payments coverage applies to:
- You and any relative that resides in your household if you are driving or riding in your insured vehicle or anyone else’s
- A person who is driving your vehicle with your permission or riding as a passenger in your insured vehicle
- Anyone riding in someone else’s vehicle while you or a covered relative are driving
When Coverage Does Not Apply
It is essential that you know when you are not covered. First, you are not covered if you did not purchase medical payments coverage as a benefit. If you have not, revisit this benefit with your local insurance agent immediately for maximum coverage should you be involved in a car accident. Also, other instances of no coverage include if you drive a vehicle that is not on your policy, using your vehicle for business purposes without the proper provisions, or situations where you are covered by workers’ compensation.
Do Your Research
Insurance coverage varies from policy to policy, and company to company, so it is vital that you know what is included or excluded in your specific insurance policy. Don’t wait until you are in an accident to learn what your automobile insurance policy covers. Take the time to understand your medical payment coverage and other provisions of your automobile insurance policy.
If you or a loved one have been injured in a collision, we want to be sure the right insurance policy is paying for your medical bills. Call Mingus Mountain Law Group in Prescott at 928-775-9398 or in Flagstaff at 928-779-9304.
