In the event of an accident, you need insurance to cover any resulting injuries and necessary treatments. However, some people neglect to talk to their insurance agent regularly about whether their MedPay coverage is suitable for covering injury costs after a car accident. To give you peace of mind, here are some reasons why you should consider increasing your policy coverage.

Why the Rising Cost of Medical Payments Matters

Few people ever consider the possibility they’ll be in an accident or a situation where they need long-term care to recover. Ongoing treatments or multiple rehabilitation appointments to mend an injury can lead to ballooning costs. Even if you have significant coverage, the cost of medical services goes up regularly due to inflation and updates to healthcare like more accurate X-ray machines, faster-acting medicines, and surgical procedures with higher success rates. 

If you haven’t talked to your insurance agent about whether your MedPay amount is substantial enough to cover the costs you could incur, you need to do so. You should never pay for personal liability insurance only to find out your policy isn’t adequate to protect you from incurring exorbitant expenses. 

What Does MedPay Cover?

Some expenses from automobile accidents may fall under your auto insurance policy’s medical payments coverage. MedPay fees could cover any number of costs, from preventive care that you or anyone on your plan incurs to injuries sustained in an auto accident. 

MedPay can cover everything from the EMT and ambulance fees to the hospital visits and stays you may need for treatment. It can also include various forms of treatment, such as X-Rays, surgery, nursing services, prostheses, and dental procedures. It could even cover your injuries if you’re struck by a vehicle while traveling on foot or bike, and may also cover funeral costs if the accident results in loss of life.

How MedPay Follows You

While typical auto insurance follows the vehicle, not the driver, MedPay is the opposite. It follows the policyholder, meaning it keeps you protected even if you aren’t in your car.

You could be injured in a friend’s vehicle or while using public transportation and still be covered. Make sure to talk with an insurance agent so you know your policy covers the costs of care you could need.

When you need to talk to a knowledgeable insurance agent that cares, choose Jenkins & Bevan Insurance in Amherst, OH. For over 30 years, this full-service insurance agency has been a top choice in Lorain County for people who want a variety of quality options at affordable rates. When you’re ready to get in touch with an agent, visit the company’s website or call (440) 984-6771.