You already have an auto insurance policy that pays for repairing or replacing your car (or another person's car) if it gets damaged in an accident.
A minimum auto insurance policy in Ohio also includes Bodily Injury, which covers the other party's medical expenses.
But what happens if you get hurt in an accident? This is where medical coverage under auto insurance comes in, and it is available in two options - medical payment and Personal Injury Protection (PIP).
What is medical payment?
Medical payment, or MedPay, enables you to pay for medical expenses to treat your own injuries.
If you get hurt in an accident, you can file a claim to receive payment, even if you're at fault for the accident.
MedPay covers the policyholder and not the car. That means it also applies if you get injured in someone else's car, on public transportation, riding a bike, or even walking by the roadside.
Aside from you as the policyholder, MedPay also covers family members and other passengers in the car.
What does MedPay cover?
Ambulance and EMT fees
Nursing services and hospitalization
What is the difference between MedPay and Personal Injury Protection (PIP)?
PIP is a medical coverage similar to MedPay. It covers you and the other passengers in your car.
PIP also kicks in if you're involved in an accident in another person's car, while walking on the streets, riding a bike, etc. However, it has broader coverage than MedPay and costs more. PIP covers:
Cost of duties you're unable to carry out, such as cleaning.
Do you need medical coverage under auto insurance?
MedPay and PIP are optional medical coverages under auto insurance as Ohio does not mandate drivers to have either. However, Ohio is not a no-fault state, which means you must file a claim with your insurance company if you're at fault.
Thus, the coverages these policies provide are very valuable and can save you from paying substantial out-of-pocket costs if you get injured.
These coverages also enable you to pay your medical bills quickly if the other party is at fault. You don't want to be at the mercy of the other driver's insurance company when you need to pay for essential medical services.
So, YES, you need medical coverage under auto insurance.
To know more about getting medical coverage under your auto insurance in Ohio, reach out to the insurance agents at Rolland & Associates now.