Although medical payments coverage in Washington auto insurance policies is not a required coverage, there still may be questions that you have about this type of coverage. We will define what this coverage protects against, what limits you are required to carry, and how to find medical payments in Washington for your auto insurance.
Medical payments cover medical and funeral expenses for you and the passengers of your vehicle. In certain situations, it may cover you (and your family) if you are injured as a pedestrian or in another vehicle. While similar to personal injury protection, or PIP, medical payments coverage it does not typically cover lost wages as a result of an accident (while PIP does).
Some health insurance policies provide the same or better protection for accidents, so it is vital that you check your health plan first before deciding to get medical payments coverage. However, as this coverage protects passengers in your vehicle, it may be wise to get this often times inexpensive coverage. Also, even though you may have some type of coverage from your health plan, it may not be enough to cover hospitalization or other severe injuries.
The most common limit this coverage is carried at is $10,000 per person, per accident.
If you deem this a necessary coverage to protect you and your family, start your search for this coverage by using a free search tool that will allow you to compare coverage options from multiple insurance companies. You can find medical payments coverage in Washington auto insurance policies today.
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