Principles of Risk Management and Insurance, 13th Edition

Part B: Medical Payments Coverage

Medical payments coverage is frequently included in the Personal Auto Policy. Medical payments are paid without regard to fault.

Insuring Agreement

Under this provision, the company will pay all reasonable medical and funeral expenses incurred by an insured for services rendered within 3 years from the date of the accident. Covered expenses include medical, surgical, X-ray, dental, and funeral expenses. The benefit limits typically range from $1,000 to $10,000 per person and apply to each insured individual who is injured in the accident.

Medical payments coverage is not based on fault. Thus, if you are injured in an auto accident and are at fault, medical payments can still be paid to you and to other injured ...