Medical Payments Coverage: Is it Part of General Liability?

Medical payments coverage is a form of general liability insurance that reimburses third parties for medical or funeral expenses incurred due to bodily injury (BI) or death caused by an accident, regardless of the insured's liability. This type of coverage is legally required in most states, but it won't cover your medical bills or those of your passengers after a car accident. However, if another driver is at fault for an accident that injures you, your auto liability coverage may cover your medical bills. Medical payment coverage can also be used to cover emergency medical expenses for bodily injuries you suffer if you were injured on someone else's property. In this case, the insurer settled the claim, which included both medical expenses and compensation, under liability coverage.

If you're not sure if your personal insurance or company liability insurance should be used to submit medical bills, you can consider getting a general policy that provides additional coverage for more serious accidents and lawsuits. Without this coverage in the event of an accident, you'll have to pay your medical bills out of pocket. This type of coverage covers your medical expenses and those of the passengers who accompanied you in the vehicle. If you have medical insurance, you can use medical payment coverage to pay your health insurance company's lien if you have one, but you must wait until the end of your personal injury case before settling this garnment. In the case of medical expense coverage, the insurer offers coverage regardless of whether the policyholder is required to make a payment or not. The question of coverage is that the insurer's only argument is that the passenger was not entitled to UM coverage as a result of her alleged breach of the conditions preceding the insurance policy.

While medical expense coverage includes expenses related only to injuries or accidents, general liability coverage includes any type of liability such as advertising injuries, property damage, etc. If you are sued, your claim will be resolved with the liability coverage of commercial general liability coverage, which is different from coverage for medical expenses. In terms of liability coverage, protection for damages is provided to third parties provided that the policyholder is legally obliged to pay. Medical payments are part of a commercial general liability (CGL) insurance policy.

Carl Somilleda
Carl Somilleda

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