Hi everybody. This is Zac Messer with Wilber-Price Insurance Group, and I’m going to answer one of the more commonly asked questions that we see online. That question is: Does car insurance cover medical payments? The very short answer is: Yes it can. There is an optional coverage, meaning not required by the state, called medical payments or Med Pay for short. Med Pay is going to cover the medical costs resulting from an auto accident, regardless of who is at fault and it also extends to passengers.
So whether or not you are at fault, the medical payments can cover things like ambulance rides or X-rays, things that are done at the hospital. Even if you have health insurance, it’s a good thing to consider because it can cover things like chiropractic services or dental services that your health insurance might not cover. It can also work in conjunction with your health insurance because Med Pay can often pay deductibles or copays. So medical payments, even though they’re not 100% required, are definitely a good coverage to add to your policy, to protect you and anyone you’re driving with.
If you have any questions about this or any other issues, please give us a call at Wilber-Price. Again, my name is Zac Messer, and I hope this helped inform you.
Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610