Can I reject medical payments coverage?

Am I required to have medical payments coverage as well? I live in Nebraska and have health insurance.

Answer provided by
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Emily Maracle
Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Depending on where you live, medical payments coverage is an optional or required coverage on a car insurance policy.
In Nebraska, the state minimum car insurance does not require medical payments coverage. This means you are able to reject the coverage.
If you did want to add medical payments coverage to the policy, you would have additional medical expense coverage if you’re injured in an accident.
The coverage kicks in immediately, so you wouldn’t need to wait for fault to be determined. Medical payments coverage can also go towards your health insurance deductibles or copays.
Whether you choose to add it to your policy depends on your own personal situation. If you can afford the coverage, it may be worth adding it on. If you aren’t able to and have health insurance, you should be okay without it.”
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