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What Is The Medical Coverage On Your Auto Policy?

You never know when a car accident will occur, they happen when you least suspect it. If you are ever injured in a car accident, the last thing you need is to have problems with your insurance coverage. Sometimes insurance is hard to understand and you may not be sure what is covered and what is not. That is why it is a good idea to carry medical coverage on your car insurance. This type of insurance will cover you for any injury you get from a car accident, so you can have peace of mind knowing that your medical needs are covered.

The medical coverage on your car insurance policy will most likely cover everyone in your car at the time of the accident. If you receive injury the medical coverage will pay for your expenses for medical treatment you receive at the scene as well as future treatments you may need such as physical therapy treatments. It doesn't matter who was at fault, your medical coverage kicks in as long as you received injury as a direct result of the accident. Medical expenses can quickly add up to a huge expense when you figure the cost of the ambulance, emergency room treatment, x-rays, hospital stay and then rehab if needed. Some insurance policies will also help with long term care if needed. In addition, some policies may help with things like child care costs if you need to hire child care due to your accident.

If you do not have medical coverage on your auto policy, and you are injured in a car accident, you will have to rely on your regular health insurance policy. Some policies might limit the amount they pay for auto accidents since health care costs incurred from accidents can run so high. Also personal health policies generally require co-pays and deductibles which will add to your out of pocket expense.

If you donít have health insurance then it is even more important to have medical coverage on your auto insurance. You just never know when a car accident will happen, they are never expected. You or your family could be injured at any time. Just because you think you are a safe driver, you still have to consider that another car on the road may be driven by someone who has been drinking or is distracted and not driving safely. Whether the accident is your fault or not, you will still have huge medical bills. You could easily spend several years if not the rest of your life paying off your medical bills from a single accident.

Submitted by:

Geoff Spencer

Geoff Spencer is a staff writer at Insurance Gazette and is an occasional contributor to several other websites, including Online Business Gazette.




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