Excess Medical Payments Coverage This optional coverage provides payment for those reasonable and necessary medical expenses, up to the policy limit, which are not covered by another source (except Medicare), such as health insurance or another person's auto insurance. This coverage pays up to the policy limit per person, for medical expenses as outlined above, regardless of fault, if you or the occupants of your covered vehicle are injured. This coverage may also protect you and the relatives living in your household if injured in someone else's car, or by a car as pedestrians under the same coverage conditions.
This coverage is designed to complement your health insurance as most medical insurance policies carry co-insurance and/or deductible provisions.
