So both the Ohio auto insurance policy and home insurance policies (includes condos and renters policies too) have a coverage called medical payments available.
In theory, they are both designed to provide no-fault coverage for medical expenses due to a covered claim. However, they are not identical in how they provide coverage. Read on for the differences.
Auto insurance medical payments
The best way to understand medical payments is to pull directly from a policy. Here's the policy language from one of our four companies:
INSURING AGREEMENT A. We will pay reasonable expenses incurred for necessary medical and funeral services because of "bodily injury": 1. Caused by accident; and 2. Sustained by an "insured". We will pay only those expenses incurred for services rendered within 3 years from the date of the accident.
B. "Insured" as used in this Part means: 1. You or any "family member": a. While "occupying"; or b. As a pedestrian when struck by; a motor vehicle designed for use mainly on public roads or a trailer of any type. 2. Any other person while "occupying" "your covered auto".
And finally- "Family member" means a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child.
So what does this mean in non-insurance-ese? It means that if an insured (as defined above) is involved in an auto accident (even as a pedestrian), medical payments coverage is available to you.
Let's move onto the homeowners insurance policy to see how this differs.
Home insurance medical payments
We'll use the same insurance company to stay consistent. Again pulling from the homeowners policy this time, the difference between the auto and home medical payments is most obvious by looking at the exclusions. The big one is below. Coverage M means medical payments.
Additional Exclusions That Apply Only to Coverage M -- Coverage M does not apply to "bodily injury" to: a. an "insured" or other person who resides on the "insured premises", except a "domestic employee". b. a person who is on the "insured premises" because a "business" is conducted or professional services are rendered on the "insured premises". c. a person, including a "domestic employee", if a workers' compensation policy covers the injury or if benefits are provided under a workers' compensation, non-occupational disability, occupational disease, or like law.
"Insured" means: a. "you"; b. "your" relatives if residents of "your" household; c. persons under the age of 21 residing in "your" household and in "your" care or in the care of "your" resident relatives; and d. "your" legal representative, if "you" die while insured by this policy. This person is an "insured" only for liability arising out of the "insured premises". An "insured" at the time of "your" death remains an "insured" while residing on the "insured premises".
The part of this exclusion that matters most to you is "A". Again, what does this mean in non-insurance-ese? Quite simply, it means that an insured is not eligible for medical payments coverage.
So what if you trip off the back deck and break your leg? Or fall off a ladder while doing some household projects? Makes no difference- as an insured, you cannot use the medical payments coverage.
Now what if a visitor trips, falls and is injured? Medical payments is available to help pay medical expenses for the injury.
So what's the main difference between auto insurance medical payments and home insurance medical payments?
In essence, the main difference is that an “insured” is eligible for medical payments under an auto insurance policy, but isn't under a home insurance policy. This is usually the typical situation, but always check with your insurance company if you have a question.
Not sure if you have what you need on your Ohio auto insurance to protect you? Call us today or request your quote immediately. We'd love to help you!