Medical payments for auto insurance explained

Lately there have been more and more questions about what medical payments on an auto insurance policies covers. In todays economy many are wondering if its wotrh keeping this coverage.

Medical payments on an auto insurance policy covers the insured and/or family members when occupying a vehicle.  It pays for medical treatment and funeral expenses incurred by the insured and family members resulting from an accident. Even if you are in another vehicle, Medical payments covers you in the event you are hurt in that vehicle.  If you are hit as a pedestrian by an uninsured driver or a driver that flee's the scene of an accident, auto medical payments will cover you.

Also, if you are carrying passengers in your vehicle and they are hurt in an accident regardless of your fault, they are covered under auto medical payments.

The policy coverage limits are stated on the Declarations Page of your auto insurance policy under coverage "C".

On most auto insurance policies, Medical Payments coverage is a small portion of the insurance premium but gives a broad amount of coverage in the event the insured, a family member or passenger are hurt in accident.

There are certain limitations and exclusion that may apply, like if you are carrying passengers for a fee or if you are illegally racing.  It is best to consult your insurance professional for clarification of coverage and exclsuions.

At Anderson Insurance Brokers we have licensed agents to help explain and guide you with your decisions on Medical Payments coverage. call one of our professionals at #630-681-8000, #773-588-3500 or toll free at #866-681-8700. Or, visit our website at www.andersoninsurancebrokers.com

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