GetCoveredUSA.com
Medical Coverage
Medical Coverage on your car policy triggers when you or any occupant of your insured auto is involved in a covered loss and are injured. Medical Coverage may be used to pay Hospital Bills, Doctors Bills, Medicine/Prescriptions, Chiropractic Visits, reimburse you for costs and much more.
The great thing about Medical Coverage is in some circumstances you may be able to collect or be paid twice. Once from the Auto Insurance carrier and again from your Health Insureer or from the other party involved. This is known also as Double Indemnity, except in almost all other coverages and typs of insurance, is illegal. However Medical Coverage can be exempt in some states and under some circumstances!
GetCoveredUSA.com Insurance Tip: Medical Coverage is "First Pay" coverage as opposed to BIPD. BIPD covers basically the same thing on the same occupants of the vehicle to a higher limit, however BIPD isnt paid out in most cases until all medical treatments are complete! Medical Coverage is triggered immediately upon loss. This is good for you because Doctors and Hospitals generally wish to be paid when service is rendered. Even if you have Health Insurance, you are still subject to a Deductible which can result in out of pocket cost to you! Medical is an outstanding convenience coverage to have! |
