Medical Payments Insurance versus Health Insurance New Jersey NJ
Filed under: Auto insurance leads, Health insurance leads
Reader’s Question:
I live and work here in New Jersey. I’m quite confident about my health insurance coverage. So, can I cancel the Medical Payments Insurance on my motor vehicle insurance policy?
Trish
Newark, NJ
Having a major health insurance is a good thing. But it is smart to still carry the medical payments insurance feature in your car insurance policy. This feature covers reasonable and necessary medical and funeral expenses after an accident, provided that it is within the limit of coverage for you or the passenger in your car. Since there might be medical and hospital needs not covered by your health insurance provider, the medical payments insurance takes care of these for you. Also, this insurance in your policy shoulders co-payments or deductibles which are not included in your health insurance coverage.
If you’re looking for a way to lower your premiums, there are a couple of things that you can try. Insurers provide discounts to drivers with cars that have safety features in them like airbags, anti-lock brakes or automatic seatbelts. Insurers also reward motorists who have a clean driving record for three years. This means not having any speeding tickets, accidents or any other traffic violation. You can also arrange with your co-workers in New Jersey to use your car for carpooling. In this way, you’ll have someone share with your gasoline consumption aside from the fact you are eligible for car insurance discount.
Tags: auto insurance premium, car insurance, Car insurance discounts, health insurance
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