Getting Medical Insurance Coverage in Your Auto Insurance Policy

If you have a vehicle, you probably have an auto insurance policy. Does that policy have medical coverage? Many people don't know the answer to that question even if they've had their policy for many years. For people who aren't sure about their coverage, the time to check is right now before an accident happens. If you're involved in a vehicle accident and you don't have medical insurance as part of your auto policy, you may be stuck with high medical bills that you aren't sure how to pay. Of course, many people have other insurance that will cover them, but with the large number of uninsured Americans, that's not always the case.

Read your vehicle policy carefully and see what kind of coverage you actually have. If you're still unsure, call or email your agent and ask what your coverage limits mean. If you don't have medical coverage as part of your auto insurance plan, it's time to change that. That way, you'll have peace of mind any time you drive. No one wants to get into an accident, but you'll want to be financially protected if something does happen, especially if you are involved in a collision where the other person doesn't have insurance and was found to be at fault in the accident.

Even if you have coverage for bodily injury and medical bills, take the time to go over your limits and see what you really have for the price you're paying. If you aren't getting much coverage, you may want to talk to your agent about raising your limits. You may also want to consider changing insurance companies to get a better deal so you can have higher limits on your policy and not pay too much for your safety and security.