Difference Between Med Pay and PIP Coverage
When you’re selecting auto insurance and your state offers both coverages, you need to understand the difference between Med Pay and Personal Injury Protection (PIP) coverage. Infinity Auto Insurance will be happy to provide you with additional details on these two types of coverage, and we’ll offer information based on your needs. Here are some general characteristics of each coverage. Of course, your state might have different or additional characteristics.
Med Pay Coverage
If you’re involved in an accident, Med Pay may cover your expenses for medical, surgical, dental, and chiropractic treatments that are considered necessary and reasonable. Some of these services include ambulance transportation, hospitalization, X-rays, nursing care, prosthetics, and funeral expenses. If you already have health insurance or HMO coverage, you may not need to add Med Pay coverage to your insurance.
Med Pay is not a substitute for regular health insurance; it covers you only in the event of an accident. Some companies offer $25,000 or more in Med Pay coverage. Keep this in mind when it comes to your insurance needs.
Personal injury protection also provides coverage for medical expenses as a result of an accident. However, PIP insurance covers more than Med Pay. Additional expense coverage may include physical and occupational therapy and rehabilitation costs, psychiatric expenses and other professional health services. PIP may also offer insurance coverage for lost wages, other reasonable non-medical or work-related losses, and a death benefit.
You need to check your policy for the exact benefits included in your PIP plan. In some states, PIP coverage is mandatory. In other states, you must either accept or reject the coverage. In some states, you can’t be covered by both Med Pay and PIP insurance; you must select one of the two plans if you need the protection.
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