Will Medical Payment Coverage Protect a Pedestrian Hit By a Car?

What is medical payment coverage, and can it help you if you've been hit by a vehicle or if you've hit a person who was walking? Medical payment coverage is a type of auto insurance policy. This type of insurance pays for medical costs after a person is hurt in a car accident. It pays out, generally, no matter who is found to be at fault of the accident. So how can it help you after a bike accident?

If you have medical payment coverage and you hit a person who is walking or even bike riding, you may have coverage. It will pay for any medical costs related to the injuries sustained from such an accident.

What Happens if You’re Hit?

If you are a bike rider or a person walking and you are struck by a vehicle, you have legal options. Generally, this will fall under the driver's liability insurance. Any losses you've faced, such as medical costs from heading to the emergency room, are the responsibility of that driver and his or her auto insurance. In some cases, medical payment coverage can help to fill in the gaps associated with these losses.

What about Your Losses?

Medical payment coverage is often used as a way to pay for the losses the driver faces related to such incidents. For example, if you are involved in an accident and are facing a high number of medical bills, this policy will help to pay for those costs even if you caused the accident (or if another driver who does not have coverage causes the accident). It is quite important, though, for you to ensure you have the right type and amount of coverage in place.

Do You Have the Right Auto Insurance?

Take a few minutes to consider your current car insurance policy. If you do not have medical payment coverage, it may be time to add this component to your policy. Doing so could help to reduce your costs significantly while giving you plenty of the support and payment protection you need. Keep in mind that a serious injury from hitting a pedestrian can cost thousands of dollars if not more. Auto insurance can minimize those costs to you.