| This optional coverage pays, up to the policy limit per person, for medical expenses regardless of fault for you and the occupants of your covered vehicle who are injured in an automobile accident. It also protects you and the relatives living in your household if they are injured in someone else's car, or by a car as pedestrians. All reasonable and necessary medical expenses are covered within the period of time specified in your policy. This coverage is valuable if you do not have health insurance, because payment will be made while the liability is being determined.
This optional coverage is different from medical payments coverage in that it covers only those reasonable and necessary medical expenses, up to the policy limit, which are not covered by another source, such as health insurance or another person's auto insurance (except Medicare). This coverage pays up to the policy limit per person for medical expenses as outlined above, regardless of fault, if you or the occupants of your covered vehicle are injured. This coverage also protects you and the relatives living in your household if injured in someone else's car, or by a car as pedestrians under the same coverage conditions.
This coverage is designed to complement your health insurance as most medical insurance policies carry co-insurance and/or deductible provisions and is less expensive than standard medical payments coverage.
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