If you have an auto insurance policy in Odessa, FL, that covers all the bases, you may notice different types of coverage. While most people are familiar with collision, comprehensive, and liability coverage, fewer are aware of the section involving medical payments. This coverage is an optional part of auto insurance, yet it can save you from paying excessive costs if you get into an accident. A. L. Saland Insurance Solutions Inc. recommends including this coverage in your auto policy.
Isn’t My Health Insurance Sufficient?
Although your health insurance can help pay for medical costs associated with an accident, auto insurance medical payments, also known as MedPay, go beyond that. This coverage includes medical and funeral expenses for you and anyone in your vehicle injured in an accident, regardless of fault. It can help with medical co-pays, doctor visits, ambulance fees, and more. For most people, MedPay serves as secondary coverage to their personal health insurance, but it can also be beneficial for those without health insurance. MedPay even covers you if you’re injured in an accident as a pedestrian.
Why MedPay Coverage Is Vital
MedPay provides immediate financial assistance because it is fault-independent, meaning you don’t have to wait for the other driver’s insurance to pay. Immediate access to funds can be crucial after an accident. Not only does it offer financial protection for yourself, but it also provides coverage for others in your vehicle. If you have a high-deductible health insurance policy or no health insurance at all, adding MedPay to your auto insurance can be a smart decision.
A. L. Saland Insurance Solutions Inc. can help you find an auto insurance policy with suitable medical payments coverage in Odessa, FL. Contact our office today to learn more.
