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Medical Payment Insurance 

Medical payment insurance is a form of coverage that often works in conjunction with personal injury protection insurance. Essentially, what this form of coverage does is pay for the medical expenses you or your passengers may incur in an automobile accident. The coverage extends to cover funeral expenses as well. If you or a family member are riding as passengers in another car and are involved in a collision, the coverage will provide for your expenses then as well. If you are struck by a car while walking, you will also be covered. Basically medical payment insurance will cover your injuries no matter how you are involved in an accident.  

There are only a handful of states that require a motorist to maintain this form of coverage. It is to your benefit to make certain that you are educated about your state's requirements before you purchase coverage. You can contact your local Department of Motor Vehicles or your state's insurance commissioner's office to determine what is required of you. Medical payment coverage is usually only required by states that operate under a no fault policy when dealing with collisions. Under the guidelines of a no fault policy, there is no one particular party in the accident that is deemed at fault. Each motorist shares an equal amount of responsibility. Your insurance company is financially responsible for only the medical expenses and property damage repairs that you incur.  

States that operate under this policy also require their motorists to maintain personal injury protection insurance (also known as PIP). PIP will cover you and your passengers' medical bills in the event of an accident. It is possible in the states to substitute your comprehensive health insurance policy in place of medical payment insurance. If this is not a viable option for you, you may consider purchasing decreased amounts of medical payment coverage from your insurance provider. Because this form of coverage is not a branch of an HMO, it may be more flexible in the type of care it will cover. 




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