0
Why would it be a good idea to have medical payments insurance on your auto insurance?
Wiki User
∙ 12y ago
Medical payments coverage generally pays a portion of medical expenses incurred as a result of a collision and resulting injuries.
Similar to Personal Injury Protection coverage, it pays expenses without regard to fault for the collision. It can fill in some of the gaps of coverage that may occur in Personal Injury Protection coverage, such as a high deductible. It may also be triggered when all of the benefits of Personal Injury Protection coverage are used, and pay additional medical expenses incurred.
This coverage has nothing to do with physical damage to the vehicle. It pays benefits only for medical expenses incurred from the collision.
Wiki User
∙ 12y ago
Add your answer:
Earn +20 pts
Do car insurance give you the money to medical bills?
If you have medical payments in your insurance. Liability only does not pay medical benefits. And the medical bills have to be the result of an auto accident.
Is auto insurance primary over heath insurance in a auto accident?
Yes... depending on your state though. Your auto insurance medical payments, or if you have personal injury proctection/no fault that would be primary in the event of you or anyone in your car hurt in an auto accident. Your our health insurance would be excess. In some states you can opt to have health insurance primary and auto excess. You can always check with your auto insurance provider, they can answer the question better b/c they can see your policy.
Will your health insurance pay first if you are in a car accident?
No. You auto insurance has to pay first before the health insurance will begin to pay. Usually they want a letter from your auto insurance carrier to prove that all medical payments coverage on your auto insurance has been exhausted.
What kind of auto insurance does Erie Insurance offer?
Erie Insurance auto insurance plans include coverage for bodily injury liability, medical payments, property damage liability, collision, comprehensive, and uninsured/underinsured motorists.
Are medical payments from your own insurance paid to you or medical provider in an auto accident?
They are usually paid directly to the provider. The injured party provides insurance information to the treating physician, who then bills the insurer for treatment rendered. These payments are often made under the insured's "no-fault" coverage.
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
Does cigna healthcare have subrogation rights against auto insurance medical payments coverage?
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
If you are carrying medical insurance is it necessary or wise to also get medical payments coverage as part of your auto insurance?
It is not required. Please keep in mind medical insurance on an auto policy only pays in the excess of what your work med doesnt pay.It is a good idea to have the medical payments on your policy because it will also cover any passengers that are in your vehicle if they don't have health insurance. It will also pay bills right away. You never know if you are going to lose your job or have something else happen. It is good to cover all your basis.
What can you do if your auto car insurance cancels all medical benefits after your accident?
I would switch insurance carriers.
Who reimburse your health insurance provider that paid for medical bills if you received a settlement from your auto insurance you or auto insurance?
The insurance company would pay them directly to make sure they are paid.
Will your medical insurance cover you in an auto accident?
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
If no auto insurance will medical insurance pay?
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
