It’s snowing in Northern Arizona – Should you carry Medical Expense Coverage?
All drivers need to realize how important it is to slow down and drive with caution on icy roads and snow. I know, I know – there isn’t much ice or snow here in the Valley, but what about when you go up to Northern Arizona for a quick trip?
Here is an example of just one of the real-life scenarios that I have seen:
A mother and daughter were driving north on highway 87 close to Payson. While driving with the flow of traffic the car hit a patch of ice and slid into the concrete barrier. The vehicle is totaled and mother and daughter sustain minor injuries. They are taken to a local emergency room. When she returned home she called in the claim with concerns about their medical bills.
What is Medical Expense coverage?
Medical expense coverage is insurance coverage that will pay for medical bills up to a specific amount, depending on how much coverage is purchased, whether or not the insured is at fault. Remember your liability insurance for your Arizona car insurance does not cover you and your passengers. Medical payments on your auto insurance policy is intended to cover smaller injuries for you and all of your passengers.
This is why I always try to recommend supplementing your current health insurance with a smaller amount of med pay or if you have no health insurance a larger amount. And as you probably already know, there are multiple discounts available if you also have your Arizona homeowners insurance with the same agent that you have your auto and health insurance with.
The Medical Expense Coverage varies from $1,000 up to $100,000 with most insurance companies.
As always, be safe and cautious when driving in the snow and be sure to check with your agent about Medical Expense Coverage!