Do I need medical payments coverage on my car insurance in Ohio?

I live in Ohio and have healthcare coverage. Am I required to have medical payments coverage on my car insurance? What does it cover if I were to get it?

Answer provided by
Emily Maracle
Answered on Apr 20, 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.
Medical payments coverage is optional in the state of Ohio.
Bodily injury liability will cover injuries to others in an at-fault accident, while medical payments will provide you or your passengers with coverage for medical expenses.
If you have healthcare, you may not need medical payments coverage. However, if you have a high deductible or lack certain coverages, it’s recommended that you add medical payments coverage.
It can help cover any costs you may owe after your health insurance pays out its portion. Medical payments also covers things like professional nursing services and funeral expenses.
If you decide to add medical payments coverage to your car insurance, you may have to do some comparison shopping to find the best rate. If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. This free app can collect quotes from up to 45 top insurance companies in seconds!

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