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If you have coverage for medical payments on
your car policy, you and your family members are
entitled to reimbursement of medical costs resulting
from auto accidents while in your car or someone
else's car, or if you're injured by a car while
walking or bicycling, regardless of who is at
fault.
Your guests qualify if they are injured in your
car. Medical-payments coverage is typically $1,000
to $10,000 for each person protected by your policy.
It would cost you relatively little to raise the
coverage to a higher amount.
The company will reimburse a wide range of expenses,
from eyeglasses to funeral costs, subject to varying
conditions. One policy may pay medical expenses
only for the first year after an accident, another
for the first three years afterward, and still
another up to five years, provided you buy more
than a stipulated amount of protection.
Payments may be reduced by any amount that you
receive or are entitled to receive from other
parts of the policy or from other sources. In
certain situations the company may pay only expenses
that exceed the compensation obtainable from other
insurance.
Before you consider additional medical coverage,
check to see if it would duplicate coverage you
already have under other medical policies, especially
comprehensive, high-limit health insurance.
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