WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
Totally agree on the hassle-free part—med pay is just straightforward. One thing I’d add: it’s not just about high-end cars. If you’ve got a family or drive with passengers a lot, med pay can cover everyone in the car, not just you. That’s something people overlook. Also, sometimes your health insurance won’t cover ambulance rides or dental work from an accident, but med pay usually does. The cost is usually pretty low, but I’d still check your policy limits—sometimes bumping it up a notch barely changes your premium.
Totally get where you’re coming from. I used to think med pay was just for people with fancy cars or those who drive a ton, but after a fender bender last year with my niece in the back seat, I realized how useful it actually is. The ambulance bill alone was more than I expected, and my regular health insurance didn’t touch it. Med pay picked it up, no questions asked. For the price, it’s kind of a no-brainer if you’ve got passengers often. Just gotta watch those policy limits, like you said—sometimes it’s worth bumping up a bit for peace of mind.
I hear you on the ambulance bill—those can be brutal. I’ve always been a bit skeptical about adding extra coverage, but after seeing what a single trip can cost, it’s hard to ignore. I mostly drive my old Mustang on weekends, so I wonder if med pay is as necessary for folks who aren’t daily drivers. Does anyone know if insurers adjust med pay rates based on how often you use your car, or is it just a flat rate regardless?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
- Med pay is usually a flat rate, not based on how often you drive. At least, that’s what I’ve seen with my policies.
- I get the hesitation if you’re not in your car much, but accidents can happen even on a quick weekend drive. My neighbor’s Porsche got rear-ended on a Sunday coffee run—ambulance, ER, the whole deal.
- For me, I weigh the cost of med pay against my health insurance deductible. If your health plan is solid, maybe it’s not worth it. But if you’ve got a high deductible, med pay can actually save you money.
- I wouldn’t say it’s a must for everyone, but I wouldn’t skip it just because you’re not a daily driver. Sometimes the “what if” is worth a few extra bucks.
Had a similar situation with my ’72 Chevelle. Barely drive it, but got clipped at a stoplight last year. Didn’t look like much, but my shoulder was messed up for weeks.
—that’s dead on. Med pay covered what my health insurance didn’t, and honestly, it was worth every penny. Wouldn’t skip it just because the car sits in the garage most days.“accidents can happen even on a quick weekend drive”
