Oh Pennsylvania, how we love you for your shoefly pie, cheesesteaks, Yuengling, Hershey’s chocolate, Utz Potato Chips, Tastycakes, birch beer, scrapple, pork and sauerkraut…. Wait, what was I talking about? Right, this isn’t a blog post about food.
Getting back to it, Pennsylvania has some unique aspects to it, including the food I’ve listed above, but also when it comes to some facets of your auto insurance. In this blog post, I’ll be specifically addressing the Medical Payments coverage of your car insurance. I know, I know. It is MUCH more enticing to talk about good food, but hear me out. This IS important.
In Pennsylvania, here is how this Medical Payments, or MedPay, coverage works for you. It is designed to cover you and your family (this includes your spouse, children, and any other resident relatives) if you are involved in any auto-related accident. It does not matter who is at fault. This is the coverage that kicks in first. Again, it doesn’t matter who is at fault. This can be very frustrating for some people, because if you aren’t at fault, then you don’t want your insurance paying, right? You don’t want that “blemish” on your record. Don’t worry about this aspect of it. If you aren’t at fault and your insurance pays for some of your medical bills, it won’t be held against you at all.
It’s also important to note that this coverage responds in any auto-related accident – you can be driving your car, riding in someone else’s car as a passenger, walking down the street and hit by a car, you can shut your hand in your car door – this coverage will pay for those medical bills generated from these accidents up to the limit that you have chosen on your car insurance policy. The minimum limit in the state of PA is $5000. We usually encourage to purchase more than this, even if you have health insurance. It can come in handy to help with co-pays, high health-insurance deductibles, etc. If you are without health insurance, then we encourage to purchase an even higher limit. The price isn’t that expensive compared to what you pay for health insurance, and having coverage for some instances is better than nothing.