Summertime has the highest number of motor vehicle accidents, and that means you could be at a higher risk of being involved in one. It may be time to re-evaluate your insurance policy.
Most people purchase car insurance based on price alone, but there are important differences in coverage of which you should be aware. One type of supplemental coverage you should consider adding to your policy is MedPay coverage.
MedPay - also known as medical payments coverage, personal injury protection, or PIP - is intended to pay for the cost of medical care after an accident, regardless of fault. While not a legal requirement, MedPay offers important benefits if you're ever involved in a car accident as a driver or passenger. MedPay coverage follows the policyholder, which means you're still covered if you get into an accident while riding as a passenger in a friend's vehicle, walking, biking, or using public transportation.
Other members of your household receive the same protection from your MedPay coverage. The coverage, however, will not apply if you're injured in a work-related car accident that should be covered under workers' compensation law. Although terms vary from policy to policy, MedPay coverage is intended to supplement your existing health insurance. Coverage limits are relatively low, but it's an inexpensive way to add peace of mind, knowing MedPay coverage can alleviate some of the immediate financial concerns associated with your injuries.
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