If you are carrying medical insurance is it necessary or wise to also get medical payments coverage as part of your auto insurance?

It is not required. Please keep in mind medical insurance on an auto policy only pays in the excess of what your work med doesnt pay.

  • It is a good idea to have the medical payments on your policy because it will also cover any passengers that are in your vehicle if they don't have health insurance. It will also pay bills right away. You never know if you are going to lose your job or have something else happen. It is good to cover all your basis.