Edgar Shephard: Hello. My name is Edgar, and I’m an insurance agent with the Zabbia Insurance Agency in Massapequa, New York. One of the more confusing questions I get from clients is “Does my auto insurance cover medical expenses?” You’d be surprised to learn that the primary way insurance companies save people money these days is by transferring their responsibility to pay for medical expenses from them to you as the consumer. In fact, the state of New York requires from all insurance companies that they must cover a minimum of $50,000 in the event you are ever injured in a car accident. That also applies oddly enough if you are riding a bicycle or walking as a pedestrian and getting hit by a car.
Now $50,000 is still a pretty sizable amount of money in this day and age. However, in the event you’re ever involved in a serious accident and have to be taken from the scene to the hospital it really doesn’t go all that far. When you consider that Allstate covers $225,000 in primary medical coverage and medical expenses with zero deductible in the event you’re ever injured in a car accident or hit by a car as a pedestrian it makes you think. Are you in good hands?