Collision coverage applies only to vehicle damage, not to things like: Medical bills and lost wages (yours, a passenger’s or another driver’s).
Do medical payments cover personal injury?
In California, Arizona, Illinois, and Virginia, medical payments coverage can pay medical bills for injuries you or your passengers sustained in a covered accident, up to the limit you choose (regardless of who caused the accident).
What do medical payments cover?
Medical payments coverage helps pay for medical and funeral expenses after a car accident. It’s an optional form of auto insurance that typically covers the policyholder, family members driving the car and any passengers. Also known as medical payments coverage or MedPay, coverage applies no matter who’s at fault.
How much will my medical bills from the accident be covered?
Most “no fault” states have a limit for how much insurance is required to pay, but it is generally up to $10,000. If your medical bills are greater than what your insurance is required to pay, your health insurance, Medicaid or Medicare may cover the rest of your medical bills.
Who is responsible for medical bills after an accident?
If you slip or fall on another person’s property and their insurance includes med pay, this will cover your resulting medical bills up to a certain amount. If they do not have med pay, you will be responsible for your own medical bills. Boating accidents are another common type of accident many people experience.
Do you have to pay medical bills in a no fault case?
Even if someone else is responsible for your injuries and is legally required to pay for your damages as part of a lawsuit, the defendant is not required to pay for your medical bills as you incur them. Exceptions include cases in “no fault” states and workers’ comp cases, which we will discuss further.
