Alyssa Lane
Progressive offers a range of medical coverage options as part of its auto insurance policies. Medical payments coverage, or MedPay, is available in most states and can help cover medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. Personal Injury Protection (PIP) is also offered by Progressive and provides similar coverage to MedPay, but with additional benefits such as lost wages and is required in several states. Comprehensive coverage and collision coverage are also available and can help protect your vehicle from accidents and incidents, giving you peace of mind on the road.
| Characteristics | Values |
|---|---|
| Medical payments coverage | Progressive's medical payments coverage, also known as Med Pay, can help pay for injuries or funeral expenses that you or your passengers suffer in an accident, regardless of fault. It can also help pay for injuries you suffer as a pedestrian struck by a vehicle. Med Pay is available as an optional coverage in most states. |
| Personal injury protection | Personal injury protection (PIP) is offered in some states and protects you in a similar way as Med Pay, but with additional benefits. |
What You'll Learn
Medical payments coverage (Med Pay)
Medical payments coverage, also known as Med Pay, is an optional coverage offered by Progressive that can help pay for injuries or funeral expenses that you, your family members, or passengers suffer in a car accident, regardless of fault. It also covers injuries you suffer as a pedestrian struck by a vehicle. Med Pay is available as an add-on to your auto insurance policy, even if you already have health insurance. In fact, Med Pay can supplement your health insurance by covering your health insurance deductible, reducing your out-of-pocket medical costs.
Med Pay covers medical and funeral expenses related to car accidents, but it does not cover lost wages or household services while you recover. The coverage limit for Med Pay typically starts at $1,000 per person and maxes out at $10,000 per person. If you have health insurance, consider getting enough Med Pay coverage to pay for your health plan's deductible. If you and your passengers don't have health insurance, you may want to increase your Med Pay coverage or choose the maximum limit.
You can file a Med Pay claim by logging in to your policy, using the Progressive app, or calling 1-800-776-4737.
While Med Pay is only required in two states (Maine and New Hampshire), it is a valuable addition to your auto insurance policy as it provides financial protection in the event of an accident. It ensures that you or your passengers can receive the medical attention you need without worrying about the cost.
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Personal injury protection (PIP)
PIP offers comprehensive protection for individuals involved in automobile accidents. It covers medical expenses, including healthcare costs associated with injuries sustained in the accident. This coverage extends to both the policyholder and their passengers, regardless of whether they have health insurance. Additionally, PIP provides financial support for lost income, childcare, and funeral expenses that may arise due to the accident.
The purpose of PIP is to ensure that individuals injured in car crashes can access the necessary medical care and support without worrying about financial constraints. It is particularly valuable in no-fault states, where it allows policyholders to receive benefits promptly, regardless of who caused the accident. This coverage is especially important if the other driver involved does not have insurance.
In terms of coverage limits, PIP policies typically have a minimum coverage amount and a per-person maximum. The minimum coverage requirements are set by state governments and can vary, while maximum coverage limits are usually set by insurance companies, often not exceeding $25,000. For example, in New York, the basic No-Fault coverage provides up to $50,000 per person for economic losses, including medical and health expenses, lost earnings, and other necessary expenses related to injuries sustained in an accident.
It is important to note that PIP is not the same as liability insurance. While PIP covers medical costs for the policyholder and their passengers, liability insurance covers medical expenses for third parties if the policyholder is at fault. PIP is a valuable component of auto insurance, providing financial protection and peace of mind for individuals involved in automobile accidents, regardless of fault.
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Liability coverage
It's important to note that your state's minimum car insurance requirements are just the bare minimum. It's recommended to carry more liability coverage than what you're legally required to have, so you're not left paying the difference if you're in an accident. You can use Progressive's car insurance calculator to estimate how much liability coverage you need.
Additionally, if you have a home, savings, and other valuable assets, you'll want to ensure your liability coverage is sufficient to protect them in case you're liable in an accident. Progressive recommends that your total bodily injury limit be higher than your net worth.
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Uninsured/underinsured motorist coverage (UM/UIM)
In the unfortunate event that you are hit by an uninsured driver, UM/UIM coverage can be a lifesaver. Uninsured motorist bodily injury (UMBI) coverage will pay for medical bills for you and your passengers, while uninsured motorist property damage (UMPD) will cover any damage to your vehicle. This can save you from having to pay for medical bills or vehicle repairs out of your own pocket.
Underinsured motorist coverage is also crucial, as it protects you if you are hit by a driver whose insurance coverage is insufficient to pay for the damages or injuries they caused. Underinsured motorist bodily injury (UIMBI) coverage will pay for medical bills for you and your passengers, while underinsured motorist property damage (UIMPD) will cover any damage to your vehicle.
The amount of UM/UIM coverage you need may depend on your state's requirements and the value of your vehicle. In some states, UM/UIM coverage must match your liability coverage limits, while in others, you can choose your coverage limits. It is important to review your policy carefully to understand the specific coverages and limits provided.
Additionally, it is worth noting that UM/UIM coverage typically does not include a deductible for bodily injury claims, but some states may require a deductible for property damage claims.
Overall, UM/UIM coverage is a valuable component of Progressive's auto insurance offerings, providing essential protection for you, your passengers, and your vehicle in the event of an accident with an uninsured or underinsured driver.
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Comprehensive coverage
When deciding whether to add comprehensive coverage to your auto insurance policy, consider the value of your vehicle, your ability to pay for repairs or a new vehicle if needed, and the level of protection you desire. While comprehensive coverage adds to the overall cost of your policy, it can provide valuable peace of mind and financial protection in the event of unforeseen circumstances.
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Frequently asked questions
Med Pay, or Medical Payments Coverage, can help pay for injuries or funeral expenses that you or your passengers suffer in an accident, regardless of fault. It is available as an optional coverage in most states.
Yes, you can add Med Pay to your auto insurance policy even if you have health insurance. Med Pay can be a useful supplement to your health insurance, as you may be able to use it to cover your health insurance deductible.
While Med Pay typically only covers medical and funeral expenses related to car accidents, PIP may include some additional benefits like coverage for lost wages or household services while you recover. PIP is also required in several states, whereas Med Pay is not.
Coverage limits typically start at $1,000 per person and max out at $10,000 per person. If you have health insurance, it might be worth getting enough coverage to pay for your health plan's deductible. If you and your passengers don't have health insurance, you should consider a higher limit or maxing out your coverage.
