Copyright 2008 The Insurance Files
    Medical payments coverage is a key type of coverage to add to your policy for financial security in terms of medical coverage if you are in an accident. Medical payments coverage is also known as Personal Injury Protection, or PIP. Coverage is not available in all states at this time. The coverage will include payment, up to the amount specified within the policy, for any type of hospital, medical, or funeral expenses. The persons covered under the policy are the policyholder, the other people, if any, in his or her vehicle, and also any pedestrian that is sturck by the vehicle of the policyholder. Also, any relatives living in the same household as the policyholder are covered, regardless of if they are injured in an accident involving the policyholder. In some states, if the insured member is struck by a vehicle as a

pedestrian, the coverage would be provided at that time as well. Medical payments coverage will provide a maximum amount per person for any combination of eligible expenses. Some states offer a choice of maximum limits, of course with varying costs, while other states set a universal limit for everyone. Having peace of mind in knowing that at least some of you and your loved ones medical expenses will be covered is worth the price you will pay for the coverage itself. Medical payments coverage is great for people that do not have a health insurance policy or for those that carpool frequently with several passengers. A free auto insurance quote is an excellent way to start covering yourself and your vehicle.