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Farmers auto insurance medical payments coverage: what you should know

To hedge against the potential high cost of treating injuries after a car accident, you may want to add Farmers auto insurance medical payments coverage.

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According to the National Highway Traffic Safety Administration (NHTSA), more than 2 million people suffered car accidents that resulted in injuries last year and the average cost to treat those injuries ran from $13-15,000 per incident. If you don’t think you could afford to pay that kind of tab should you be in an automobile accident, you may want to consider an option like Farmers auto insurance medical payments coverage.

The coverage it offers

adding an option like farmers car insurance medical payments coverage will provide support regardless of who is found to be at fault in an accidentAdding an option like Farmers auto insurance medical payments coverage can be beneficial as it is often referred to as a no fault car insurance option. By that we mean it pays out regardless of who is found to be at fault in an accident. While nearly every state requires its licensed drivers to carry liability coverage car insurance (an option that pays out for the expenses you cause to others in an accident that is your fault) there are some states that are considered no fault states for car insurance law and requirement purposes. These states require licensed drivers to have some form of no fault insurance in addition to the liability they require.

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With a medical payments coverage option in place, you can have car accident related expense paid for:

  • Emergency treatment and transport at the scene of an accident
  • Emergency room treatment
  • Hospital bills
  • Post-accident treatment
  • Physical therapy (if needed)
  • Funeral expenses (in the event of a fatality)

Farmers auto insurance medical payments coverage is not subject to a deductible and it pays up to the per-accident levels you acquire with your policy. (Maximum and minimum levels of allowable coverage vary from state to state, so be sure to consult your Farmers representative about what applies where you live and drive.)

But I have insurance

Many people assume that if they carry health insurance (either privately or through an employer-provided program) they won’t need an option like medical payments coverage. While you may have excellent health insurance, it probably has a deductible and more often these days, heath insurance plans come with co-pays and restrictions on types of services and health car providers who will receive full payment for treating you. It’s important to remember that Farmers car insurance medical payments coverage will cover the cost to treat injuries sustained by any passengers riding with you (even if they are not on your health insurance plan) as well as any named insured family members. Those family members may also be protected under this coverage if they are riding with somebody else or if they are injured as a pedestrian or a bicyclist (depending on the state.)

Affordable peace of mind

get added protection for you, your family and any passengers traveling with you with farmers car insurance medical payments coverageThe cost for adding Farmers car insurance medical payments coverage is quite reasonable, given the benefits it can deliver. If you live in a state where it is a requirement, it will generally be less expensive, but even if it’s not required where you live and drive, you’ll find it to be a lower-to-mid-range coverage option where cost is concerned. It does not offer as broad a coverage range as another no fault option, personal injury protection (PIP) coverage, but it also isn’t as expensive as PIP.

You should consider one other thing when pondering whether to add medical payments coverage to your Farmers car insurance: if you are hit by another driver who has legally adequate by very low bodily injury liability coverage levels, your medical payment coverage can fill in the gaps without forcing you to take legal action for additional compensation.

(See more about all the car insurance coverage opitons you have with Farmers)

 

The cost of medical care is high and the cost of treating a serious emergency like a car accident is even higher. Having Farmers auto insurance medical payments coverage in place is one way to protect you and your family against that expense. To know for sure if this is a good option for you, it might help to spend some time with a licensed and local car insurance professional who can answer any questions you may have and even show you some sample policy options to consider before you buy. Reply! can help by connecting you to local car insurance professionals experienced enough to help you find all the coverage you need and can afford.

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About the Author

Jeffrey Davidson is the Auto Insurance content editor at Reply! with more than 25 years of market research, PR, insurance sales and consulting experience. To share his insurance ideas, find him on Google+.