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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.

3 Steps Every Car Buyer Needs to Take to Save Maximum Money

The key to getting the best deal is to gather price or lease bids from as many local dealers as possible. Then shop that best price around until no one can beat it. Here are the steps:

Step 1 Get Prices From My Trusted Network

Select the vehicle you're interested in to see if there are local dealers in my network who will provide you with their best upfront price. You will get direct access to an internet sales manager who you can further negotiate with online (no need to visit dealership).
Select Vehicle to Get Local Pricing

Step 2 Get Prices From TrueCar / CarsDirect

TrueCar, and CarsDirect are my top 2 online price quote recommendations. These services show you pre-negotiated prices from dealers closest to you - and the deals are usually pretty decent. But remember, you can still negotiate further.

Step 3 Complete my Checklist

Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

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About The Author

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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