When you buy Erie Insurance auto insurance, medical payment coverage is an option you should seriously consider adding.
Building the right car insurance policy requires an understanding of the needs you and any other drivers or passengers may have and the options available to you with any particular company. If you choose Erie Insurance for auto insurance, a medical payment option maybe one of those choices that makes perfect sense.
An excellent no fault option
While every state sets some minimum level of liability insurance coverage it requires for licensed drivers, there are some states that are deemed to be no fault stated for car insurance laws and requirements. In these states, drivers are required to have a form of no fault car insurance coverage in place backing up the liability coverage they also have to have. For many states, a medical payment option will satisfy this requirement as it pays to treat injuries the named insureds suffer in an accident, regardless of who is found at fault in the accident. (Some states require a more robust no fault option like a personal injury protection (PIP) policy.)
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The first thing you need to understand is that medical payment coverage doesn't come standard with all policies from Erie Insurance but depending on the state where you live and drive, your Erie Insurance representative can easily add it.
How it works and what it covers
With Erie Insurance auto insurance, medical payment coverage will be there to help pay to treat any injuries sustained by you, your passengers or any named relatives living with you, even if you are ultimately found to be at fault for the accident causing the injuries. The scope of what this option covers can include:
- Emergency treatment at the accident
- Emergency transportation to a medical facility after an accident
- Immediate treatment medical bills
- Hospital expenses
- Long-term rehabilitation costs
- Post-accident physical therapy
In addition to these immediate expenses, some medial payment options will also cover:
- Long-term disability
- Lost wages or services (such as day care or cleaning services for working parents)
- Funeral expenses
Erie Insurance also offers customer an added Death and Disability feature that can enhance the extended coverage benefits of your medical payment option (for a slight increase in premium.)
Working with other forms of insurance
If you currently have a health insurance plan (either through work or one you purchased for yourself and your family) you may feel adding a medical payment option is redundant. In many cases, it actually won’t be. For example, your family health insurance coverage won’t apply to any passengers in your car at the time of an accident that aren’t related to you. Medical payment coverage will cover them. You may also find that your health insurance coverage comes with a high deductible or co-pay and limits on where you can get treatment and what kind of treatment you can get. Medical payment coverage is not subject to those types of restrictions.
If you have personal and family health insurance, consider adding an Eire Insurance auto insurance medical payment options that covers whatever deductibles and co-pays may be in place with that health insurance coverage. In that way, your two insurance options will work together.
(This guide will show you all the car insurance options available to you with Erie Insurance.)
Medical payment coverage is just one type of coverage you might need or want to add to your car insurance policy. To know for sure, it may help you to sit down with a local, licensed car insurance expert familiar with companies like Erie Insurance. Reply! can help by connecting you to car insurance professionals in your area eager to help you get just the right coverage for you and your family.