Chubb auto insurance medical payment coverage: things you should know

Chubb auto insurance medical payment coverage can literally be a lifesaver if you find yourself injured in a car accident. This optional coverage feature is intended to protect you, your passengers and any named insured family members in case of an emergency. It can also protect you if you're a pedestrian going out for a stroll and get hit by a car or if you're on your bike during an accident with a car.

Just what does this cover?

If you're trying to figure out if you need Chubb auto insurance medical payment coverage, you should first understand what it is. Insurance companies are required by law to offer medical payment coverage on every automobile insurance policy they issue. Medical payment coverage is intended to pay for your immediate medical needs following an accident. This coverage typically covers up to $5,000 in medical expenses. Auto accident medical bills can be extremely expensive. Things like ambulance fees, emergency room bills and doctors fees can add up quickly.

Do you need it?

While the coverage must be offered with every auto insurance policy, drivers in many states can opt out of the coverage if they believe they don't need it. Every state sets a minimum level of liability car insurance it requires of all licensed drivers. Liability insurance pays for the medical bills of other drivers and their passengers who are hurt in an accident you've caused. For this reason, some people may decide they don't need to include medical payment coverage in their policies because they assume that if they're in an accident where another driver is at fault, that driver's liability insurance will cover them.

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The problem with this thinking is, not every driver is responsible enough to carry the right insurance. You might have the bad luck of getting into an accident with someone with inadequate insurance or no insurance at all. Without medical payment coverage, you might have to dip into your own pockets to handle some of your expenses.

If you have your own health insurance, deciding not to use Chubb auto insurance medical payment coverage might make sense. Your medical expenses will be covered by your health insurance. If your health insurance plan is limited or very basic, you might want to go ahead and include medical payment coverage in your car insurance policy.

Your health insurance plan may not cover all the passengers you have riding with you in your car. It's also a good bet that your health insurance plan includes a deductible and perhaps even has a co-pay. Your health insurance plan may also limit where you can get treatment that will be fully covered. None of these limitations will come into play with your Chubb auto insurance medical payments coverage.

It's hard to know just what insurance coverage options you'll need to round out your auto insurance policy. It might help if you were able to spend some time with a local, licensed car insurance agent with access to leading companies like Chubb. Auto insurance medical payments coverage might be the best option for you and an agent will be able to show you why or why not. Reply! can help by putting you in touch with car insurance agents near you skilled and experienced enough to help you build a policy with all the coverage options you'll need to keep you and your family safe on the road.