Medical payment coverage helps pay for medical and funeral expenses after a car accident. It's an optional form of car insurance that generally covers the policyholder, family members who drive the car, and passengers. Also known as medical payment coverage or MedPay, coverage applies regardless of who is at fault. Health insurance normally covers medical expenses, but some policies exclude injuries related to a car accident.
Every year, the Ohio Department of Insurance receives hundreds of auto insurance complaints. Person authorized by the Ohio Department of Insurance to represent the company, sell and manage insurance policies. If the insurance company provides the name or names of the body shops that will perform the repairs for the amount estimated by the insurance company, you can still go to your body shop, but you will be responsible for the difference between the workshop bill and the amount you receive from the insurance company. Your car is considered a total loss when the insurance company finds it less expensive to replace than repair it.
In general, your liability insurance will cover you if you drive a friend's car and that friend isn't insured, but be sure to review your policy or talk to your agent. Physical damage coverage is based on what it would cost the company to repair or replace your car: the more expensive the car, the more it will generally cost to insure it. If your health insurance covers car accidents, you'll likely have to pay a deductible or co-pay before the insurance takes effect. You can buy an agent who sells policies for a single insurance company or an “independent” agent who is licensed to sell insurance for several companies.
If your car is on the insurance company's restricted list, the company may charge you more or reject it. If your driving record is so bad that no insurance company will insure you, an agent can process your request for the Ohio Auto Insurance Plan. If the insurance company provides only one name, the insurance company must ensure that repairs are performed in a manner similar to that of a worker. Call the appraiser with the location and prices of the cars you have found and insist that the adjuster meet those prices or tell you where you can find a car at the liquidation price.
Insurance companies recognize that when college students get home they have access to the family car. Most auto insurance companies won't pay your health insurer directly when you have a liability claim; you're responsible for your own medical bills.
