WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
I get where you’re coming from, but I’m still on the fence about shelling out more for extra medical coverage. Maybe it’s just me being stubborn (or cheap?), but every time I look at my quote, I start thinking about all the takeout I could buy instead. My only “accident” so far was backing into my own trash can, which, let’s be honest, was more embarrassing than expensive.
I know stuff happens and nobody plans to get rear-ended, but part of me wonders if the basic coverage is enough unless you’re driving a lot or have a history of bad luck. The insurance folks make it sound like you’ll end up in bankruptcy court if you don’t upgrade, but then again, they also said my car was “sporty” (it’s a 2012 Corolla).
Maybe I’ll regret it if something actually happens, but for now, I’m rolling the dice and hoping my neck stays in one piece. If not... guess I’ll be learning how to argue with insurance reps over what counts as “medically necessary.”
My only “accident” so far was backing into my own trash can, which, let’s be honest, was more embarrassing than expensive.
Honestly, you’re not wrong to question it. Here’s the thing:
- If you’ve got solid health insurance, extra auto medical might be overkill.
- If you drive a lot or have passengers often, it starts making more sense.
- Most people don’t think they’ll need it—until they do. Seen plenty of “never had an accident” folks get blindsided.
Rolling the dice is fair. Just know what you’re risking. And yeah, arguing about “medically necessary” is never fun... but sometimes that extra coverage saves a ton of hassle.
Honestly, I get the “overkill” argument, but I’ve seen folks with great health insurance still get stuck with weird bills after a car accident. Sometimes your health plan doesn’t cover all the ambulance or rehab costs, or there’s a big deductible. If you’re the type who carpools or has kids in the car a lot, that extra coverage can be a lifesaver. But yeah, if your biggest risk is trash cans, maybe not a top priority...
I totally get where you’re coming from. I used to think my health insurance would cover everything, but after a fender bender last year, I got hit with a surprise bill for the ambulance ride—apparently, it was “out of network.” Made me rethink the extra medical coverage on my policy. Anyone else ever have to deal with those weird loopholes? I guess if you’re driving something pricey or have passengers often, it’s worth considering. But yeah, if you’re just running solo errands, maybe not as big a deal...
after a fender bender last year, I got hit with a surprise bill for the ambulance ride—apparently, it was “out of network.”
That’s rough. I’ve had something similar happen—thought my regular health insurance would pick up the slack, but nope, ended up with a random ER bill that made no sense. It’s honestly wild how many little gaps there are.
I’m with you on weighing if the extra coverage is worth it. For me, I do a lot of commuting and carpooling, so I figure the small bump in premium is just peace of mind. If you’re mostly solo and don’t drive much, it might not add up. But those “loopholes” seem to pop up when you least expect it, which is annoying.
I always check what’s actually covered now, even if it means reading the fine print (which is a pain). Not fun, but beats getting blindsided later.
