Personal Injury and Auto Accident Attorneys Serving Florida
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Sarasota, Florida 941-954-1234
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Experienced Personal Injury Lawyer

The lawyers of Goldman, Babboni, Fernandez, Murphy & Walsh have more than 100 years of combined Florida legal experience in personal injury, wrongful death and negligence cases. David Goldman, and Michael Babboni have each represented accident victims throughout Florida for over twenty …

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Insurance Blog Post

What You Should Know About Car Insurance and Medical Payments

There is a specific coverage under your car insurance that pays for medical bills stemming from accidents, regardless of fault. This coverage is commonly referred to as “medical payments” coverage.

People covered by this coverage include you, any relative who lives with you, anyone who drives your vehicle with your permission or rides in your insured vehicle, and anyone riding in someone else’s vehicle while either you or a covered relative is driving.

However, there are some circumstances in which this coverage will not cover your accident. These circumstances include accidents occurring:

  • While a person was a passenger in a vehicle owned or used by you or a relative if your insurance policy did not specifically list that car
  • On any type of two-wheeled vehicle (such as a motorcycle) if that vehicle was not specifically listed in the policy
  • In any vehicle other than a standard passenger car if used for business purposes
  • While you were driving another person’s car, except in circumstances in which you already claimed and collected the maximum for that vehicle owner’s medical payments coverage
  • During the course of employment for tor the injured person, if those injuries qualify for coverage under workers’ compensation laws

There may also be some circumstances in which medical coverages overlap. The medical payments coverage for your auto insurance policy could overlap with your health insurance. It’s important to understand where these overlaps occur and the level of coverage you et from each before you move forward with your claim so you can get the best possible results in the action you take.

If you or a loved one have been injured in a car accident and need assistance in navigating the insurance claims process, contact a knowledgeable Manatee County personal injury lawyer at Goldman, Babboni, Fernandez & Walsh with any questions you have.

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Goldman, Babboni, Fernandez, Murphy & Walsh
2822 University Parkway
Sarasota, Florida, 34243 USA