Medical Payments Coverage in Your Illinois Auto Insurance Policy
Medical payments coverage in Illinois auto insurance policies are put in place to protect you from injuries sustained in an accident.
Getting the company you have your auto insurance coverage with to cut you a check for your medical expenses can be challenging, though.
Payments under these kinds of policies are not as automatic as you might think.
Where To Submit Your Claim If you have health insurance coverage in place, you can send your claim for medical expenses to that insurer.
Carrying medical payments coverage is not mandatory in Illinois, but if you have this type of coverage included with your auto insurance policy, you can submit your claim for medical expenses there.
You do need to keep in mind that some insurance carriers will not pay your claim for injuries caused by someone else if you have another insurance policy that will cover those expenses.
In the meantime, your doctor and hospital just want to get paid...
period.
You May Need To Reimburse Your Insurer In a situation where your insurance company pays your claim for medical expenses and you are able to recover damages from the at-fault driver or their insurance company, you won't be able to walk away with the entire amount to yourself.
Your insurance company will expect to be reimbursed first.
If you aren't successful in getting any damages from the other driver, then you won't have to pay your auto insurance company back.
Some people may be thinking that they shouldn't make a claim against their auto insurance for medical expenses because they may need to pay those funds back later.
This would be a mistake; you buy the insurance so you have a way to pay for your medical bills if you are hurt in an accident.
No matter who pays you, the idea is for you to be reimbursed for your expenses, not to make a profit from them.
It is better to submit a claim to your auto insurance company and get the health care providers paid right away than wait to try to get a settlement from the other driver and be taken to collections or sued yourself in the meantime.
Compare Illinois Auto Insurance Policies Are you ready to find out more about medical payments coverage in Illinois auto insurance policies right now? Be sure that whatever coverage options you choose that you compare polices from multiple companies in order to find the best Illinois car insurance for your specific needs.
Getting the company you have your auto insurance coverage with to cut you a check for your medical expenses can be challenging, though.
Payments under these kinds of policies are not as automatic as you might think.
Where To Submit Your Claim If you have health insurance coverage in place, you can send your claim for medical expenses to that insurer.
Carrying medical payments coverage is not mandatory in Illinois, but if you have this type of coverage included with your auto insurance policy, you can submit your claim for medical expenses there.
You do need to keep in mind that some insurance carriers will not pay your claim for injuries caused by someone else if you have another insurance policy that will cover those expenses.
In the meantime, your doctor and hospital just want to get paid...
period.
You May Need To Reimburse Your Insurer In a situation where your insurance company pays your claim for medical expenses and you are able to recover damages from the at-fault driver or their insurance company, you won't be able to walk away with the entire amount to yourself.
Your insurance company will expect to be reimbursed first.
If you aren't successful in getting any damages from the other driver, then you won't have to pay your auto insurance company back.
Some people may be thinking that they shouldn't make a claim against their auto insurance for medical expenses because they may need to pay those funds back later.
This would be a mistake; you buy the insurance so you have a way to pay for your medical bills if you are hurt in an accident.
No matter who pays you, the idea is for you to be reimbursed for your expenses, not to make a profit from them.
It is better to submit a claim to your auto insurance company and get the health care providers paid right away than wait to try to get a settlement from the other driver and be taken to collections or sued yourself in the meantime.
Compare Illinois Auto Insurance Policies Are you ready to find out more about medical payments coverage in Illinois auto insurance policies right now? Be sure that whatever coverage options you choose that you compare polices from multiple companies in order to find the best Illinois car insurance for your specific needs.
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