| Medical Payments What it typically covers: Reasonable and necessary medical expenses that are the result of an injury to you or other people insured under this coverage, like your guest passengers. Some examples of expenses that might be covered: - ambulance - hospital - x-ray - dental - surgical Why it's important: - Unexpected medical expenses might not be part of your budget - Your health insurance may not give you complete coverage As a general rule, you should consider purchasing as high a limit as you can afford. Other Factors That May Affect the Limit You Choose: The high cost of health care Your deductibles or co-payment arrangements Protecting your savings for retirement or education Cost of higher coverage limits Life Stories - Medical Payments |