Medical coverage covers anyone getting into your car, getting out of your car or in the car if you are involved in an accident and they are hurt. For example, a person is getting out of your car and falls and breaks an arm; a person hand is caught in a car door and requires medical treatment. The most common however is when you are involved in an accident. Anyone in your car is covered up to the medical pay limits on your policy.
In Illinois, medical coverage on an auto policy will cover expenses for just about any kind of auto related injury, whether or not it occurred in the insured auto. For example, injuries incurred if you are struck as a pedestrian or while riding a bicycle would be covered. As always, it is best to check with your insurance professional.
While I might agree with these answers, medical payments coverage is often purchased with the intent to cover medical expenses incurred in an accident involving an automobile not covered by a person's health insurance coverage(deductibles, co-payments, dental expenses, cosmetic surgery,etc).
However many health insurers(including Medicare) have amended the co-ordination of benefits feature in their medical insurance plans to require an injured subscriber to exhaust their medical payments coverage before they can make a claim under their health insurance coverage. In effect, anyone buying (and paying for) medical payments coverage may not be able to collect on it should they ever need it! Their health insurer may have already exhausted the limit.
Before considering this coverage, an insured should check with their health insurer and make sure they can use the benefit to cover expenses not covered by their basic health insurance plan first. Once they have been fully reimbursed, only then can the health insurer become entitled to these benefits.
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However many health insurers(including Medicare) have amended the co-ordination of benefits feature in their medical insurance plans to require an injured subscriber to exhaust their medical payments coverage before they can make a claim under their health insurance coverage. In effect, anyone buying (and paying for) medical payments coverage may not be able to collect on it should they ever need it! Their health insurer may have already exhausted the limit.
Before considering this coverage, an insured should check with their health insurer and make sure they can use the benefit to cover expenses not covered by their basic health insurance plan first. Once they have been fully reimbursed, only then can the health insurer become entitled to these benefits.