Does Boat Insurance Cover Medical Payments for Medical Care After a Boat Accident?

Boating is a popular recreational activity, but accidents can happen on the water. If you’re wondering whether boat insurance covers medical payments for healthcare after a boat accident, Linda Dugan Insurance, serving the greater Astoria, OR area, is here to answer your question. 

Does Boat Insurance Cover Medical Payments?

Yes, boat insurance typically covers medical payments (med-pay) for injuries resulting from a boat accident. Med-pay is a standard component of many boat insurance policies. It helps pay for necessary medical expenses, such as doctor visits, hospital stays, surgeries, and even funeral costs in the unfortunate event of a fatality.

Who Is Covered by Med-Pay?

Med-pay coverage extends to various parties involved in the boat accident, including the policyholder, family members on board, passengers, and even individuals who aren’t on the policy but were injured in the accident. This coverage is designed to provide immediate financial assistance for medical bills, regardless of who was at fault.

Coverage Limits and Options

The amount of med-pay coverage can vary based on your policy and insurer. It’s essential to review your policy to understand your coverage limits. Some boat insurance policies also offer options to increase med-pay coverage if you feel the standard coverage is insufficient.

Boat insurance often includes medical payment coverage to protect you and others involved in a boating accident. Understanding your policy’s coverage limits and options is essential for ensuring that you have adequate protection in case of injuries. With the right boat insurance, you can enjoy your time on the water with peace of mind. If you want to purchase a new boat insurance policy in the greater Astoria, OR region, contact Linda Dugan Insurance to start the process.