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Dulaney, Lauer & Thomas

My auto insurance policy has "Medical Expense" coverage. What is this?

Medical expense coverage, sometimes known as medical payments coverage, is an optional form of coverage available in Virginia. It is usually sold in smaller amounts, such as $1,000, $2,000, or $5,000, but not necessarily. This is basically a small health insurance policy on your vehicle. If a vehicle driver or passenger is hurt in a collision, they may seek reimbursement for incurred medical bills through this coverage. Note that this is not liability coverage, and an injured person may file the insurance claim without regard to legal "fault."

Also, a medical expense claim should not be confused with a liability case against another driver who is legally at fault. Medical expense coverage can be a valuable component of your auto insurance policy. We do encourage our clients to purchase medical expense coverage if they have not done so already.