Commercial Truck Insurance
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Medical Payments Coverage
As all coverages, medical payment insurance is crucial for the owner. This coverage also offers compensation for accidental death while using the truck. Medical payments coverage offers payments for injuries to you, an employee, or anyone riding/driving the truck with your consent. This coverage also offers compensation for accidental death while using the truck. It can include compensation for long term suffering if applicable.
This covers medical bills if you or a passenger is injured while driving or riding in the tractor (this coverage varies from state to state).
Requirements of This Coverage In Your Truck Insurance Policy
Medical payment coverage can cover you in many cases. if you were injured your health insurance can covered. but not some case you may be travelling with family members or friends that might not be covered under your personal health insurance policy.
This is a prime reason why you may need medical payments coverage on your truck insurance policy. If an employee were to be hurt (or if you are an employee), it is possible that a workers compensation policy would kick in to help with medical bills and living expenses.
impact of the Risk
Of course, you should weigh out the risk of your particular situation and decide if you will be left hung out to dry if a major injury should arise to you or your passengers. If you have a personal health insurance policy or are a part of a workers compensation policy, you should inquire about what these policies would cover if you are injured while using your truck.