Ca auto insurance medical payments

Car insurance protects your car, not the people inside of it. "Medical Payments to Others" (often called Med Pay) covers the medical payments of all passengers in your vehicle if they are injured in an accident.

Med Pay will cover the medical costs resulting from an auto accident, regardless of who was at fault. Only injuries caused directly by the accident will be covered by Med Pay, and limits are usually below $25,000.

Med Pay is very similar to Personal Injury Protection (PIP) in that both coverages will pay for physical injuries caused by an accident and because neither is concerned with who was at fault. The difference is that PIP insurance is more comprehensive; the coverage can also extend to cover other items such as your lost wages. Pip is therefore slightly more expensive than Med Pay. There is no need to have both.

Remember that Med Pay is purchased on a “by vehicle” basis. This means if you have two cars you must purchase Med Pay for both if you wish to covered while in either car.

It’s also very important to point out that Med Pay is not a replacement for health insurance. Med Pay coverage is strictly limited to injuries that occur during auto accidents and almost always has a limit of $25,000. Yes, your health insurance can also cover your injuries if you’re in a car accident; the difference is that Med Pay will cover the other people in the car. For example, Med Pay might be a good idea if you drive a carpool regularly.

Shop around for the best Med Pay rates to see if the extra monthly cost makes sense for you and your family. It’s probably a safe bet to get either Med Pay or PIP to protect you and those near to you from financial hardship stemming from injuries suffered during an auto accident.

Get your free renters insurance quote comparison with CoverHound. Find the find the plan you’re looking for here today!

If you work out of your home, you want to make sure you’re covered in all worst-case scenarios. Click here to find homeowners insurance quotes today at CoverHound.

Using our auto insurance comparison tool, you’ll find an insurance package that doesn’t just serve you, but protects you. Click here today!

Related Posts

Ca cpa insurance

All CPAs are required to have professional liability insurance since April 1, 2013. Read below...

Ca dept of disability insurance

Long-Term Disability (LTD) insurance is private insurance that helps people who can’t wo...

Ca health insurance penalty

According to the Affordable Care Act, if you do not get health insurance coverage, you will be...

Ca high risk pool health insurance

A government-administered health insurance program for people who cannot obtain insurance priv...

Ca insurance commissioner elected

This is the end of the preview. Sign up to access the rest of the document. Unf...

Ca state auto insurance laws

Here are some things you need to know about recent vehicle liability insurance changes: ...

Ca unemployment insurance phone number

Next Caller's Advanced Caller ID ® has the largest phone number database linking telephone nu...

Caa cancellation insurance travel

Whether you're traveling within Canada or abroad, you will feel reassured knowing that CAA Tra...

Caa car insurance niagara

Along the way in the past 10 years my wife and I realized we used CAA quite often. So we upgra...

Caa insurance sarnia ontario

Find out more about EVs here, including how much they cost to operate, what models are availab...

Caa travel insurance windsor ontario

We understand that an unforeseen medical emergency can lead to large, out-of-pocket expenses a...

Cab shield insurance dundee

YP - The Real Yellow Pages SM - helps you find the right local businesses to meet your specifi...