Medical Payments Coverage In New York Auto Insurance: Explained – Medical payment coverage is part of a car insurance policy. It may help pay for your or your passengers’ medical expenses if you are injured in a car accident, regardless of who caused the accident. This coverage is optional and not available in all states.

Medical payments coverage can help with medical expenses related to a car accident — for you, your passengers and any family members who were driving the insured vehicle at the time of the accident — regardless of who is at fault. It usually covers doctor visits, hospital stays, surgeries, X-rays and other medical bills.

Medical Payments Coverage In New York Auto Insurance: Explained

Medical Payments Coverage In New York Auto Insurance: Explained

Medical payment coverage can also help cover medical expenses if you or a family member is injured in another car or as a pedestrian. Even if you have health insurance, medical payment coverage can help cover your co-pays, and it may extend to your passengers, while your health insurance may not.

Automobile Insurance Guide

Another type of coverage that can help if you are injured in a car accident is Personal Injury Protection, or PIP. Although it is not available everywhere, it is required in some states.

PIP usually covers medical costs, similar to what medical payment coverage covers. Your health insurance has deductibles and limits, and PIP can help you cover these deductibles or expenses that exceed the limits.

Additionally, PIP can help you compensate for lost wages as a result of a car accident. Or, it can help pay for services such as childcare, if an injury prevents you from being able to care for your child. And, if the worst happens when you’re behind the wheel, PIP can help your family pay for the funeral

When you drive with quality coverage, you drive with peace of mind. Car insurance can help you stay covered wherever the road takes you.

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If you are injured in a car accident, medical payment coverage can help pay for the following expenses for you or your passengers:

Medical payment coverage is optional. So, if you cause a car accident and do not have medical payment coverage, you will have to pay out of your own pocket for your medical bills.

On the other hand, auto liability coverage is required by law in most states. Your auto liability coverage will not pay for your or your passengers’ medical bills after a car accident.

Medical Payments Coverage In New York Auto Insurance: Explained

If you cause a car accident, the bodily injury liability portion of your car insurance coverage helps pay for the other party’s medical expenses. Likewise, if the other driver is at fault for an accident that injures you, their auto liability coverage can help pay your medical bills.

New York Car Insurance Laws

Like medical payments coverage, personal injury coverage (PIP) helps pay for your or your passengers’ medical expenses after a car accident, regardless of who caused the accident.

Medical payments insurance has a coverage limit, which is the maximum amount your insurance company will pay for a covered loss. You can choose your limits when you buy coverage. Remember, any medical expenses that exceed your coverage limit are your responsibility.

If you need help choosing coverage limits that suit your needs, you may want to think about the cost of short-term emergency medical expenses after a car accident.

For example, say you have to go to the emergency room with injuries after an accident. Your health insurance may pay for some ER visits, but your health coverage may require you to pay a $2,000 deductible and coinsurance payment for emergency medical services.

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That’s where medical payment coverage on your auto insurance policy can help. In the scenario above, if you’ve chosen the $3,000 coverage limit, your medical payments insurance can help pay your health insurance deductible and a portion of your co-pays for your ER visits. Partner content: This content is created by Dow Jones partner businesses and researched and written independently of the newsroom. Links in this article may earn us a commission. Learn More

When shopping for car insurance online, you can save time and money by researching providers and comparing quotes. Get tips for buying coverage online

Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a Guide team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K. and Australia, which specializes in finance and car care topics. Daniel is the Guide team’s authority on car insurance, loans, warranty options, car service and more. Writer

Medical Payments Coverage In New York Auto Insurance: Explained

Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guide team editor with over 10 years of experience covering personal finance, lending, insurance and surety topics. Senior Editor

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Is it better to buy your car insurance online or work through an agent? That depends on your insurance needs and what you are comfortable doing. In this article, we at the Guide Team explain where you can buy car insurance online and when it is best for you to contact an agent.

If you already know you want to buy your car insurance online, use the tool above to get started by comparing free quotes from some of the best car insurance companies.

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The Driving Team is committed to providing reliable information to help you make the best decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to summarize our ranking of the best car insurance companies. We collect data on dozens of car insurance providers to rate companies based on various ranking factors. After 800 hours of research, the end result is an overall rating for each provider, with the insurer with the most points topping the list.

You Really Can Lower Your Car Insurance Cost

There are three ways you can buy car insurance: contact a company agent, work with an independent broker or buy car insurance online. You can also use a free car quote tool like ours to help you determine the best car insurance coverage, rates and providers.

The first step is to get a quote either through the insurance company’s website or by using the free car insurance quote tool below.

After you provide the required information, some sites may offer instant car insurance quotes that allow you to see the cost for the level of coverage you choose. Other companies may ask for your phone number or email address and have an agent contact you with a quote and your preferences. Contact several companies so you can compare insurance plans.

Medical Payments Coverage In New York Auto Insurance: Explained

Insurers that allow you to buy policies online will guide you through the purchase process, which should be easy. You will be asked to select the coverage you want as well as additional options such as roadside assistance, towing or accident forgiveness.

What Is Personal Injury Protection (pip)? Do You Need It?

Set up a payment method and enter the required information. Most insurers may allow you to pay by credit card, although some companies will charge a fee for this. Your other option is to pay via bank by providing your routing number and account information.

If you’ve decided that buying car insurance online is right for you, there are a few important things to consider.

Most major auto insurers offer coverage online. Providers that do not offer online registration and purchase require you to speak with an agent before finalizing your policy. However, most of the purchase process can still be completed on the insurance company’s website.

It can take an hour or less if you are prepared with basic information about yourself, your driving record and your vehicle. An online car insurance policy can take effect as soon as you make the first payment.

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The process of purchasing insurance online is similar for most companies. If an insurer offers online car insurance, you can get any type of standard coverage you need right from your computer or phone. But if you’re looking for specialized auto coverage like classic car insurance , you may need to call an agent to explain your situation.

Bodily injury and property damage liability insurance is required in most states. If you are found at fault for the accident, personal injury liability will pay the medical bills of the other party involved. Property damage will pay for repairs to the other party’s car. Neither type of liability coverage will pay for your own injuries or car repairs.

Uninsured/underinsured motorist coverage helps with repairs and hospital bills when an uninsured or underinsured person causes an accident. Medical expense coverage such as MedPay and PIP pays for your medical expenses after an accident, with different rules for at-fault and no-fault situations.

Medical Payments Coverage In New York Auto Insurance: Explained

A full coverage car insurance policy includes comprehensive coverage and collision coverage. Collision insurance pays for repairs to your vehicle regardless of who caused the accident. Comprehensive coverage protects your vehicle from environmental-related damage:

How To Calculate Insurance Premiums

Note that car loan and leasing companies usually require you to carry a full coverage policy, but comprehensive and collision coverage is not required by any U.S. state.

The best way to buy insurance depends on your situation. Car insurance bought online usually costs about the same as car insurance bought through

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