Should You Have Medical Payments Auto Insurance Coverage?

The number of Americans who do not have health insurance has increased in the last three years. As a Palm Springs personal injury attorney I am very aware of the unfortunate circumstances of being without health insurance. If you are involved in an automobile accident in Palms Springs or anywhere in the Coachella Valley and end up at a local hospital because of accident related injuries it is not unusual to receive a hospital bill of more than ten thousand dollars for the visit to the ER. Cat Scans, MRIs, and other testing procedures are very expensive. If the accident was caused by the negligence of the other driver and that driver had liability insurance or assets, the fault free accident victim will very often be able to collect the medical charges from the other driver or that driver's insurance company in an out of court settlement or by jury verdict. However in the event the other driver is uninsured and without assets the innocent accident victim without medical insurance may be stuck with medical bills and no immediate ability to pay. This last scenario provides the strongest argument for making certain that you have medical payments coverage in your automobile insurance policy. If you don't have health insurance you should carry the highest limits of medical payments coverage you can afford because the insurance coverage will pay all your accident-related medical bills that were reasonably incurred as a result of an automobile accident up to the limits of the coverage. These payments will be made even if you were the cause of the accident.