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by Jennifer McCreery on May 8th, 2005

Jennifer McCreery

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What is the difference between bodily injury liability and medical payments on an auto insurance policy?

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  • by Andy Is Wicked Married to Penal Colony on May 11th, 2005

    Andy Is Wicked Married to Penal Colony

    Medical payments apply to people in your vehicle. For example, you are the carpool driver and you are involved in a minor fender bender. Your co-worker has an injury and they don't have any medical benefits to pay for seeing a doctor and getting treatment. Provided they just want their doctor's bills paid and aren't looking to sue you because they happened to be in your car when an accident happened, this is handy to have. That way they can get their bills taken care of while the two insurance companies quibble over which driver was at fault. Same with people who tote other people's kids around a lot. It is typically on policies in amounts ranging from $1-10,000. Most common coverage for $5,000. Of course, they can always just sue the other driver for the payments too (if the other driver is at fault).

    Medical Payments coverage is also useful if you don't have any health insurance. You can't sue yourself if you have an accident that is your fault, after all. If you have this coverage, you can file a claim for medical payments for your injuries even if you are at fault. This is why most people carry this coverage.

    Bodily Injury Liability is only for people that are injured as a result of an accident you are at fault for. This can be another driver, passengers in another vehicle, and even pedestrians. NOT for passengers in your car.

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  • by MrsInsuranceLady on August 6th, 2005

    MrsInsuranceLady

    When it comes to your medical bills being paid, it's true that there may be various ways of having your bills paid by the auto company. In some states where the "no fault" laws apply, there are usually higher medical limits, anywhere from $35000 to $500000. Also, in some states, you can not sue for medical bills. The only thing you sue for is pain and suffering.

    Under, some no fault laws, there is a deductible and a co-payment up to a specified dollar amount. Example: In some states, there is a $250 deductible and a 20% co-pay up to the first $5000 in medical bills. After $5000, they pay 100%. This breaks down to $1200 coming out of the injured parties pocket. If you have health insurance, they may or may not, pick up the difference.

    You can choose higher deductible amounts for a savings in premium. Don't make a decision on what deductible to take without discussing it with your insurance professional. The promise of a 30% savings sounds great but when it's a savings of less than $20 over the course of the policy period, you may find that the money you save, isn't worth the coverage you lose.

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  • by Chet Mac on May 9th, 2005

    Chet Mac

    The medical payments part of the policy covers reimbursing the victims of an accident for the actual billed cost of medical treatment for their injuries, whereas the B.I.Liability is for "pain and suffering" type awards not directly related to the cost of treatment, such as the fruit of a $100,000 suit against you for careless driving resulting in injury or death.

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