ATV’s and Boats, provide a unique way to explore the great outdoors. However, with this freedom comes the responsibility of ensuring you have the right insurance coverage in place. One of the most important types of coverage to consider for your ATV or Boat is medical payments coverage.
Medical payments coverage, also known as med pay, is an optional coverage that can be added to your ATV or Boat insurance policy. It provides coverage for medical expenses incurred by you or your passengers in the event of an accident, regardless of who was at fault. This coverage can help cover the cost of medical bills, including hospital stays, surgeries, X-rays, and more.
So, why is medical payments coverage so important on an ATV or Boat insurance policy? Let’s explore some of the reasons:
- ATVs or Boats can be dangerous. While they are a great way to explore the outdoors, they can also be dangerous if not operated properly. Accidents can happen at any time, and when they do, injuries can occur. With medical payments coverage, you can rest assured that you and your passengers will have coverage for medical bills, regardless of who was at fault.
- Medical bills can be expensive. Even minor injuries can result in significant medical bills. If you or your passengers are injured in an ATV or Boat accident, medical payments coverage can help cover the cost of medical bills, which can help alleviate financial stress during a difficult time.
- Health insurance may not cover all expenses. While you may have health insurance, it may not cover all of the medical expenses incurred in an ATV or Boat accident. Medical payments coverage can help fill the gap and ensure that you and your passengers receive the care you need.
- It’s affordable. Medical payments coverage is relatively inexpensive compared to other types of insurance coverage. Adding this coverage to your ATV or Boat insurance policy can provide peace of mind without breaking the bank.
In conclusion, medical payments coverage is an important type of coverage to consider when purchasing ATV or Boat insurance. Accidents can happen at any time, and medical bills can add up quickly. With medical payments coverage, you can rest assured that you and your passengers will have coverage for medical bills in the event of an accident. Contact your insurance provider today to learn more about adding medical payments coverage to your ATV or Boat insurance policy.
Michael Vereecke, CLCS
President/Agent @ Customers First Insurance Group