There are many line items on a Texas Home Insurance policy and it is easy to misunderstand some of them. That's why it is important to work with a local independent insurance agent like Insurance For Texans. One of the most mis-understood coverage items is labeled "Medical Payments To Others". Just who is others and what kind of medical payments are we covering? Let's consider two scenarios to see how this one works on your Ft Worth Home Insurance.
You are throwing a birthday party for your five year old in the back yard and one of the party goers trips over an extension cord. As all kiddos will do, they put their arms out in front of them to break their fall and injure both wrists that require a trip to the ER.
You are cleaning the pool in the back yard on a Saturday morning. While moving backwards you trip over a deck chair that you forgot was there and fall backwards hitting your head. Your spouse finds you more loopy than usual and makes you go to the ER to have your head checked.
Is Either Of Those Scenarios Covered?
Either of these scenarios could be covered under the Medical Payments coverage, but there is one important distinction that has to be met in order for a claim to be paid. The key to these two scenarios is who is injured in the incident. Since the coverage is labeled Medical Payments To Others, emphasis included, only scenario one will be covered by your Burleson Home Insurance policy. This line item will not cover you for people that are part of your household and live under your roof. That means you still need health insurance.
It's Covered, But What If The Bill Exceeds The Limit?
So now that we've established that the birthday party is covered, but we all know that ER bills can be outrageous. The next logical question is what happens if their bills are more than $5,000 limit on the policy. This coverage works in tandem with Personal Liability on your home policy. If the accident is severe and you could be considered negligent in it's occurrence, the personal liability on your Texas homeowners insurance policy can absolutely kick in and cover the rest of the costs for that person.
There are a lot of intricate details at work inside your home insurance policy in Texas. Therefore, it's important to work with a local independent insurance agent to make sure that you're properly covered at the best price. Insurance For Texans has highly trained professional agents to make sure that your needs are met. If you'd like a policy review, just click the button below!