What can auto medical payments coverage do for you?
Auto medical payments is a no-fault coverage that pays for necessary medical and funeral services expenses incurred within three years of an auto accident sustained by an insured.
Unlike the medical payments coverage found in a homeowners policy that excludes residents of the home, auto medical payments coverage covers the named insured and his or her family members for their bodily injury. Coverage is triggered if you are injured in an accident while occupying a vehicle (excluding motorcycles) or struck by a vehicle as a pedestrian.
Pedestrians in an accident would be covered only if a vehicle is the cause of injury. However, injuries to occupants are not required to be caused by a vehicle, provided they are occupying the vehicle at the time of the accident. For example, if your son was playing with a knife in the back seat of the car and accidentally cut himself, the medical expenses would be paid under auto medical payments coverage, even though the incident wasn’t related to the use of the car. In addition to the family, anyone else occupying your vehicle would be protected as an insured by this coverage.
An important feature of this coverage is stated in Connecticut insurance Regulation Sec. 38a-334-7:
The insurer may provide for proration of benefits with other motor vehicle medical payments insurance but for policies effective on or after November 1, 2000, coverage provided pursuant to this section shall be primary over any amount of other health insurance.
When health insurance and automobile medical payments coverage apply to the same loss, auto medical payments coverage is primary. This means you always should report your injuries involving a vehicle to your insurance company as soon as possible, as sometimes expenses incurred in an auto accident that are not covered by health insurance can be paid by medical payments coverage. Don’t go it alone— call our agency. We’ll be glad to review this coverage with you.