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Just what is auto insurance medical and how does it work? 

Auto Insurance Medical is a no fault area of the standard automobile insurance policy that covers doctor bill for anyone who is injured in, on or around the insured vehicle.  If there are doctor or hospital bills associated with an auto related injury, even if it is not the result of an accident, this is that area the insurance company would go to pay for the doctor bills.  If the injured party has major medical, then the auto insurance medical could be used to meet deductibles and co-pays.

So, let's say, you are closing the car door and are not being as watchful as you could be.  As a result you catch your finger between the door and the door frame causing a smashed and broken finger.  You have the finger treated and splinted.  The Emergency Room  sends you a bill for $1,000.  If you carry auto medical, that $1,000 bill would be turned into your insurance company for compensation.  There will be no deductible to pay and no increase in rates as a result

One other feature of auto insurance medical is that it is paid on a per person, per occurrence basis.  For instance, there is an auto accident.  You are driving with several passengers.  The accident is not severe, but you get a nasty bump on the head, one of your passengers get a split lip requiring stitches and another gets a mild whiplash requiring some chiropractic adjustment.  Each injured party is eligible for medical expense compensation up the limits of the policy. If the coverage you carry is $5,000, each person, if there medical bills were up to that amount, could claim it.

Some insurance companies do not offer auto medical, most do.  One company, GuideOne insurance, has an additional benefit as part of it medical coverage.  That is "loss of income."  If the injury prevents that person from doing their normal  job for more that two weeks with a resulting loss of income, the policy will compensate them for lost income up to $1,000 per month for as many as 20 months.

If you want to know more about GuideOne insurance please visit my website at http://www,
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