Q: I already have health insurance. Why should I get medical payment coverage on my auto insurance policy?
A: Medical payment coverage will pick up some bills that not all health insurance coverage will. For instance, emergency transportation bills (i.e., private ambulance providers), chiropractors, acupuncturists, or massage therapy may not be covered under a traditional health insurance plan. Additionally, while some doctors may be willing to wait until your claim resolves to be paid, not all doctors will. In this instance, it's advantageous to have your own med pay coverage through your auto insurer to help pay for your bills, so you aren't forced to rush your personal injury claim.