Reader’s Question:

What does liability medical payment in car insurance mean? I plan to buy car insurance soon here in Florida so I need to know if I need this.

Carol

Clearwater, FL

Liability medical payment (MedPay) is a form of Personal Injury Protection (PIP) coverage which is required in Florida as part of your car insurance. PIP would pay for medical expenses sustained in a car accident but it won’t cover the expenses related to it such as lost wages and funeral costs. Medical payment coverage in car insurance includes the costs suffered in an accident, in case the accident causes death or disability. Also, it gives coverage if you are using other vehicle authorized by the car owner and injuries suffered if you get hit as a pedestrian.

Even though the basic health, life and disability coverage will give similar assistance, getting MedPay for your car insurance is a smart move if you don’t have those types of coverage. When choosing your auto insurance policy, you have to go over the exclusions that are included. Every company sets up their own exclusions in the policies that they offer. As the most car insurance policies include crucial exclusions like in a business vehicle and injury incurred in the act of a crime, your coverage might have other things that may have an influence in your financial situation in the event of an accident.