Ferguson & Paisley Encourages Georgia Motorists to Purchase More Medical Payments Coverage

Jim and Jason are encouraging Georgia motorists to immediately contact their insurance agents and ask that Medical Payments coverage be increased on all automobile insurance policies.

What is Medical Payments Coverage? Medical payments coverage covers all reasonable medical expenses if you are involved in an automobile accidents regardless of who is at fault. Therefore, the coverage applies even if you are at fault for an accident and are injured. It generally provides coverage to you, any passenger of an insured vehicle or any resident relative of your household.

How Much Will it Cost? The cost of medical payments coverage depends on the limits you select. We have seen clients with as little as $1,000 in coverage and as much as $50,000 in coverage. You should call your agent for more specific details on the cost of this coverage.

What are the Key Benefits of Medical Payments Coverage? There are many benefits of medical payments coverage but three stand out.

1. It protects you and your family. The coverage applies to any resident relative of your household. For example, if you have medical payments coverage on your vehicle through Company A, it will cover your wife and children if they are involved in an accident even if you are not in the vehicle.

2. It applies even when you are at fault. For example, if you lose control of your vehicle on a foggy morning and are injured because of your own negligence, medical payments coverage would cover your medical costs up to your limits that you select.

3. You don't generally have to pay it back if you recover from a third party. This is perhaps one of the most important benefits of medical payments coverage. By way of example, if another driver negligently rearends your car and injures you, medical payments coverage will cover your medical costs up to the limits you select. Unlike traditional medical insurance or public assistance programs like Medicaid, medical payments coverage does not have to be paid back if you recover a settlement from the other drivers insurance.

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