Among the coverages most overlooked on an auto insurance policy is Medical Expense coverage.  Medical Expense coverage cover the costs associated with medical treatment needed due to a car accident.  It covers the passengers in your car, as well as covering you while you are a passenger in someone else's vehicle.  Medical Expense may cover the cost of emergency medical care including ambulance transportation, emergency room expenses, in-patient hospital stays, X-rays and lab tests, as well as follow-up medical visits to a doctor.  Additionally, this coverage provides for payment for dental work, prosthetics or funeral expenses as a result of a covered auto accident. 

Consider your health insurance plan when you're building your car insurance policy.

If you don't have a health plan, your plan won't cover car accidents, or if your plan has low limits, you may want to add Medical Expense coverage.  In some cases, this car insurance coverage can actually help cover your health plan's deductible.

If you have a good, reliable health plan, you may not need all of the features that Medical Expense coverage offers.  However, they can work together, and medical payments coverage can help cover things that aren't included in all health plans.  If you have Medicare or Medicaid, for example, medical expenses related to a car accident may not be covered.  If you do have health insurance and you choose to add medical payments coverage, it can kick in after your health insurance limits are exceeded.

Check the specifics of your health plan or work with an agent to find out if this applies to you.

Another point to consider is that this coverage applies to passengers in your vehicle that may be injured.  Even if you have an excellent health care plan, medical payments coverage can help your passengers if they're hurt in an accident.  If you play chauffeur, consider the benefits this coverage can provide to those you drive from Point A to Point B.

If you're a Neighbors Plus policyholder and would like to add medical payments coverage, or just want to adjust your current limits and deductibles, you can contact your Long Beach auto insurance experts at our Lakewood Village office at (562)627-1961.

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