Does Farmers cover medical bills resulting from the accident?

Subhead: If you want to know if Farmers covers medical bills resulting from the accident, the answer depends on whose medical bills and your auto insurance coverage. If you’re at fault, Farmers liability insurance will pay for injuries you’ve caused, but you’ll need additional insurance to cover your and your passengers’ injuries.

What You Should Know

• A state’s required minimum auto insurance coverage does not cover medical bills for you or your passengers.
• Health insurance pays the medical bills first, and then the healthcare company seeks reimbursement from the auto insurance claims
• Under certain circumstances, Farmers will cover your medical bills if you carry optional medical payments coverage, personal injury protection, or uninsured/underinsured motorist coverage.

If you are at fault for causing the accident and have the state-required minimum auto insurance, Farmers will only cover the medical bills of the other driver(s) and passengers up to the policy limit. It will also cover the medical bills for any pedestrians or cyclists you hit. 

You need additional insurance to cover your medical bills, and our Farmers Insurance review discusses the many choices of insurance offered by Farmers. There is an option called medical coverage, which you may want to add to your auto policy to help pay your medical bills. There is also personal injury protection and uninsured/underinsured motorist coverage.

Farmers Medical Payments Coverage

To have full coverage car insurance, consider adding Medical Payments coverage (MedPay). For a Farmers auto policy, it pays “reasonable and necessary” medical expenses for your treatment. It pays for the treatment of covered family members and passengers injured in an accident in your vehicle. 

Depending on the specifics of the policy and the state where you live, it may cover ambulance expenses, emergency room, hospital care, doctors, surgery, X-rays or diagnostic services, and funerals.

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Farmers Personal Injury Protection

Another name for personal injury protection (PIP) is “no-fault” insurance. Some states require PIP insurance. In other states, it is optional. The good news is Farmers is one of the best personal injury protection (PIP) car insurance companies. 

PIP pays the medical bills for your injuries without needing to determine who is at fault for causing the accident. It also covers personal injuries sustained by being hit by a car as a pedestrian or a bicyclist. Family members and other covered individuals may be covered for bodily injury caused by an accident.  

Things Covered by PIP Insurance

Here are some types of expenses that Farmers PIP insurance covers:

• Medical and hospital bills for a personal injury from a car accident
• Lost wages
• Childcare
• Funerals

PIP insurance only covers medical bills for injuries sustained in an auto accident. There is no coverage under PIP insurance for damage to a vehicle or personal property.

Farmers Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist (UIM) coverage is for personal injuries in an accident caused by a driver without insurance or when the insurance is insufficient to pay your medical bills. Farmers UIM coverage extends to the cover damage to your vehicle in some states. 

Getting into an accident with a driver who does not have enough insurance is a nightmare. You can sue the driver who is at fault. However, if that driver does not have insurance or not enough insurance, they probably are the type of person who is “judgment-proof” and lacks the financial resources to pay a settlement from a lawsuit.

Consider having UIM from the best uninsured motorist (UM) coverage car insurance company to avoid this serious problem.

Consider Adding Optional Coverage to a Farmers Auto Policy to Cover Medical Bills

Medical coverage, personal injury protection, and uninsured/underinsured motorist coverage are all optional add-ons that ensure Farmers covers medical bills resulting from an accident. Some types of insurance may not be available in your state, so shop around with Farmers and other local companies to find the coverage you need.

FAQs

Does the state minimum requirements for liability insurance cover my medical bills?

Unfortunately, your medical bills are not covered if you cause the accident. 

How do I get coverage from Farmers for my medical bills?

Farmers offers MedPay coverage that you can add to your auto policy. This optional add-on covers your medical payments for injuries in an auto accident.

Does UIM insurance cover the damages from a hit-and-run driver?

Uninsured/underinsured motorist coverage usually provides coverage for medical bills resulting from hit-and-run accidents and, in some states, damages to the vehicle.

SEO Title Tag: Does Farmers cover medical bills resulting from the accident?

META: Farmers covers medical bills resulting from an accident with MedPay, PIP, and uninsured/underinsured motorist coverage as an add-on to your policy. Learn more.

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