Does Farmers cover medical bills resulting from the accident?

If you sustained injuries in an accident, and you or the driver are covered under a cheap car insurance policy from Farmers Auto Insurance, you may wonder, “Does Farmers cover medical bills resulting from the accident?”

We’ll answer this question, explain how to deal with them, and answer some frequently asked questions about auto insurance after an accident.

When Farmers Covers Medical Bills Resulting from the Accident

If the driver has Farmers Insurance and causes an accident, their liability coverage will pay your medical bills. When you are involved in an accident, and you or the other person have Farmer’s Insurance, you’ll have to answer questions online or speak to an agent on the phone.

Step one in how to file a car insurance claim is to file an accident report with Farmers. The company will then assign an adjuster to look into your claim. They have to decide if the company will have to pay your losses. There has to be proof that the insured driver was at fault for the crash.

Medical Payments Coverage for Medical Coverage After an Accident

Medical Payments protection is part of an insurance policy. It may help pay for your or your passengers’ medical expenses if you’re injured in a car accident.

Companies are not required to offer this coverage, and if they do offer it, they may only pay for expenses incurred within one year of the accident. They may also only reimburse your health insurance deductibles and copays.

Read more: Does my car insurance cover my medical expenses after an accident?

Personal Injury Protection for Medical Coverage After an Accident

Personal injury protection car insurance, or PIP coverage, helps pay for medical bills, hospital bills, and other costs, like lost wages, no matter who caused the accident.

It’s also called no-fault insurance and may be legally required depending on your state. Getting affordable personal injury protection (PIP) auto insurance can help cover medical bills and save money at the same time.

Uninsured Motorist Protection for Medical Coverage After an Accident

If you’ve ever wondered what happens when you hit an uninsured driver, the answer is, it depends on what kind of state you live in. If your state is a no-fault state, then getting in an accident with an uninsured driver doesn’t matter.

If you live in a tort state, though, you’ll only be covered if you have uninsured motorist coverage.  Most states are tort states, so having uninsured motorist protection on your policy is a must.

Final Thoughts About Whether Farmers Covers Medical Bills Resulting From the Accident

That’s what you need to know about whether Farmers covers medical bills resulting from the accident. When you’re in an accident, and you or the other party have Farmer’s insurance, you will need either Medical Payments coverage, uninsured motorist protection, or PIP insurance to have your medical bills paid.

Your auto insurance rates will increase if you add these coverages, so compare free auto insurance quotes below to find more affordable insurance.