Part B: Medical Payments Coverage

The insuring agreement usually includes medical payments coverage. With this coverage the insurance company will pay all reasonable medical and funeral expenses incurred by you for services rendered. The services must be rendered within three years from the date of the accident.

Expenses that are covered include the following expenses:

  • Medical,
  • Surgical,
  • X-ray,
  • Dental, and
  • Funeral.

This coverage pays regardless of fault. Thus, you can be at fault for an accident and the coverage still applies.

Medical payments coverage covers you. You are covered when occupying any car that is designed to operate on public roads. You are also covered if you are injured as a pedestrian.

The coverage also extends to passengers who are in your car while you are driving. If you are not driving someone else’s car, only you are covered.

The insuring agreement includes several exclusions for medical payments coverage. These exclusions include:

  • Any car that has fewer than four wheels,
  • When your car is used as a means of transportation for the public (i.e., a taxi),
  • When your car is being used as a residence,
  • When your car is being used during the course of your employment,
  • For a different car that is furnished or made available to you,
  • When your car is regularly made available to a non-spouse family member,
  • When someone uses your car without a reasonable belief that they have your permission to do so,
  • Any car that is being used for your business,
  • Injury from a nuclear weapon or radiation or war,
  • Any car located inside a racing facility for the purpose of racing.