Is health insurance hiding inside your auto insurance policy?
With today’s healthcare reform headlines, there are few who aren’t aware that literally millions of Americans can’t afford the cost of getting Health Insurance through a traditional health insurance carrier. But even if a person does not have traditional health insurance, most private passenger automobile owners with an in-effect Auto Insurance policy actually do have some medical benefits coverage. This is referred to by the car insurance carriers as “Medical Payments Coverage.”
A surprising percentage of people who own an automobile and maintain a car insurance policy don’t realize part of the premium they pay every month may in fact defray the cost of their medical bills if they or a member of their household is involved in an auto accident.
The Medical Payments or Personal Injury Protection portion of many Automobile Insurance policies pays medical expenses which are as a result of a traffic accident or incident. Another covered event would include and incident when you are not in a Vehicle, but are struck by one. If you are a pedestrian walking on a public or private street, sidewalk or parking lot and you are struck by a car, bus or motorcycle, you may also have coverage. In many cases an automobile insurance policy maintained in your household will pay your medical bills — even if you are not a driver on the auto policy. The same could be true if you are a passenger in an insured family car.
Uninsured Motorist and Underinsured Motorist Coverage on an Automobile Insurance Policy might also possibly be accessed to defray or help to defray the cost of your medical bills when the at-fault driver or owner of a car other than your own has no auto insurance coverage in place at the time of the accident or incident. In addition, benefits may be available if the driver or owner of the other car has coverage, but not enough to pay the medical or hospital bills generated as a result of injuries you sustained in an accident.
All auto policy forms vary from carrier to carrier and state to state. Call your agent or carrier for the rules and regulations governing your policy so you’ll know what your car insurance-related medical coverage is.
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No idea how you wrote this post..it’d take me days. Well worth it though, I’d assume. Have you considered selling advertising space on your blog?