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Choosing to buy the minimum amount of medical expense benefits in Pennsylvania may appear to help save you money up front. But if you’re hurt in an accident, you could easily get stuck with thousands of dollars in medical bills. When purchasing medical expense benefits, opting to go above and beyond the minimum PA limit may actually help you save money in the long run.
That’s because Pennsylvania is a first-party benefits state, which means your car insurance policy is the first thing to pay for your medical bills if you’re injured in an auto accident. Your personal health insurance doesn’t kick in until you’ve run out of medical expense benefits from your PA auto insurance.
Under law, you’re required to have at least $5,000 of medical coverage on your PA car insurance policy. But after hospital stays, treatment, surgery, physical therapy, and rehab, $5,000 can start to feel like $5.00 as more and more bills pile up.
That’s why my law firm recommends you have at least $10,000 of medical expense benefits on your Pennsylvania car insurance policy. This is especially true for people who have no other form of medical insurance. If you’re only covered by your car insurance medical benefits, you’ll have to pay out-of-pocket for any bills that go over your limit of coverage.
While most car insurance goes towards protecting the other driver, medical expense benefits are for you. It may seem like purchasing the lowest legal amount of this medical coverage can save you money, but you’ll be wishing for more medical expense benefits when you’re hurt in an accident and you start to get hospital bills sent straight to your mailbox.
Previous posts in this series:
Underinsured & Uninsured Motorist Coverage