What's the difference between bodily injury & medical payments on an auto insurance policy?

What's the difference between bodily injury & medical payments on an auto insurance policy?

Is medical for the med bills the other party receives &- bodily injury is for the settlement of the claim, pain &- suffering and the settlement of permanent residuals? Thanks


Bodily Injury coverage is a liability coverage. If you are at fault in an accident, it will cover the other party's injuries, treatment, wage loss and pain/suffering up to your policy limit. It will also cover injuries your passengers sustain in the accident, so long as (in most states) they are not members of your home or otherwise listed on your insurance policy.Medical payments coverage is a coverage for you and your passengers (household members or not), regardless of who was at fault in the accident. It does not cover the people who were in the other vehicle you were involved in the accident with. It will help pay your medical bills if you are injured, but it does not pay for any sort of pain and suffering or wage loss. If you are at fault for the accident, you will not be expected to reimburse this money. If you are not at fault, your insurance company may seek reimbursement from you after you receive your insurance settlement from the other party's insurance carrier. Be sure to check with your insurance company to find out and have the other insurance company include the medpay amount in your overall settlement.The only time someone could collect on your medical payments and bodily injury coverage would be if they were a non-household member/policyholder passenger in your vehicle, or if you were making an uninsured motorist claim on your own insurance policy.You may wonder why someone would even use their medpay if they were not at fault in an accident. It's because the other insurance company does not typically pay for your medical bills before you make your final settlement. Medpay will help you pay those bills up front so you're not out of pocket all that money.Source(s):Bodily injury insurance adjuster


Bodily injury liability coverage is for the driver and passengers in another vehicle who are injured in an accident you are at fault for. Medical payments is a 1st party coverage, it pays medical bills for you and your passengers. You cannot get pain and suffering payments from your own policy.



Popular Q&A

What is the cheapest north carolina car insurance?
First to get your vehicle registered you need to have valid insurance. You could concievable get a license plate, but you would not get the registration stickers so it would do no good.Second get a online insurance quote to find the best price in Greensboro. They will check all the companies...

Lawsuit of rental car accident?
wow amazing you think?? clue number one the guy sued for a million dollars ??? gosh what a co incident the liabilitty limit was a million for car rental place??? dont worry, you have no money or no real property, like a portfolio of stocks or expensive homes laying around what can you be sued...

How much does a sr22 policy cost?
It all depends on your age, what you drive, where you live and what’s on your driving record.People get taken to the cleaners when they apply for an SR22, remember that the SR22 form will only cost around $15.00 to $25.00 dollars and that's for the filing fees.The average cost will depend on...

I just moved and am looking to find some cheap Massachusetts Auto Insurance. Can anyone recommend a place?
You should research patiently, and get quotes from different insurers -take your time. A used car, and a clean driving record will definitively help you have lower rates. I had to do a lot of research and estimates because my old car broke, so I ended up leasing a new Honda, and insurance in...