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Should You Get Medical Payments Coverage?

Medical payments coverage, also known as Personal Injury Protection, is one of four main types of coverage that car insurance provides.

This type of coverage generally pays up to $10,000 in medical and funeral expenses for each person that is injured or killed in your vehicle - regardless of who is at fault.

What most people don't realize is that this type of coverage is not really necessary if you already have good health insurance.

If your health insurance has a high deductible, then it's a good idea to get medical-payments coverage so you won't have to pay anything out of pocket - usually $1,000 to $5,000 is sufficient.

Another reason you may want to get medical-payments coverage is if people with no health insurance regularly ride in your vehicle.

Your liability coverage should take care of their bills if they get injured, but it can take a long time to sort out who's at fault. The medical-payments coverage will pay their medical expenses no matter who's at fault.

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan

Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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