Do you need “medical” on your auto insurance?
Undecided Question
Do you need "medical" on your auto insurance?
Yesterday I purchased a new auto insurance policy. I was convinced by the rep that I needed an optional "medical" provision for $5,000 dollars worth of coverage in case of an accident. She said that if I didn't get the medical coverage, I would have to inform my health insurance provider that they held the primary responsibility in case of an accident and that many health insurance plans will not accept this.
My family has really good health insurance–do we really need medical coverage on our auto insurance, too?
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4 Responses
1.31.2010
Yes!
1.31.2010
It's up to you. If your health insurance will cover medical bills sustained from an auto accident then no, you don't need te optional coverage. Most health insurance companies do not cover injuries arising from an auto accident so you'll want to double check with your health provider before declining the optional health coverage. Source(s): Insurance Agent
1.31.2010
No ! You do not need med. pay. if you already have health insurance and I have never heard of having to notify your health insurance company. Sounds like it might be time to find some new auto. insurance
1.31.2010
It's more for the benefit of people who may be injured in an accident that you were involved in. They would be covered for injury and your car insurance would cover the cost.I have that on my insurance policy. It was a good thing, too…I was in accident last year when I rear-ended someone. The person complained of neck pain and was seen at an urgent care center. She had a mild whiplash. Geico covered the medical charges. Otherwise, it would have come out of my pocket.It's not a bad idea to have it. It covers both parties and can be a financial savior.EMT