Does Farmers cover medical bills resulting from the accident?
If you've ever wondered if Farmers covers medical bills resulting from an accident, you've come to the right place. To get your medical bills covered by Farmers, you need the right coverage, such as Medical Payments coverage (MedPay), personal injury protection (PIP), or uninsured motorist protection (UM) from Farmers.
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Ty Stewart
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Aug 14, 2023
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UPDATED: Aug 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you’re in an accident, Farmers will pay accident-related medical bills if you have Medical Payments coverage, Personal Injury Protection, or uninsured motorist protection
- If you live in a no-fault state, personal injury protection will already be included on your Farmers Insurance policy
- If you live in a tort state, you will need to add coverage for medical bills and lost wages after an accident
If you sustained injuries in an accident, and you or the driver are covered under a cheap car insurance policy from Farmers Auto Insurance, you may wonder, “Does Farmers cover medical bills resulting from the accident?”
We’ll answer this question, explain how to deal with them, and answer some frequently asked questions about auto insurance after an accident.
When Farmers Covers Medical Bills Resulting from the Accident
If the driver has Farmers Insurance and causes an accident, their liability coverage will pay your medical bills. When you are involved in an accident, and you or the other person have Farmer’s Insurance, you’ll have to answer questions online or speak to an agent on the phone.
Step one in how to file a car insurance claim is to file an accident report with Farmers. The company will then assign an adjuster to look into your claim. They have to decide if the company will have to pay your losses. There has to be proof that the insured driver was at fault for the crash.
Medical Payments Coverage for Medical Coverage After an Accident
Medical Payments protection is part of an insurance policy. It may help pay for your or your passengers’ medical expenses if you’re injured in a car accident.
Companies are not required to offer this coverage, and if they do offer it, they may only pay for expenses incurred within one year of the accident. They may also only reimburse your health insurance deductibles and copays.
Read more: Does my car insurance cover my medical expenses after an accident?
Personal Injury Protection for Medical Coverage After an Accident
Personal injury protection car insurance, or PIP coverage, helps pay for medical bills, hospital bills, and other costs, like lost wages, no matter who caused the accident.
It’s also called no-fault insurance and may be legally required depending on your state. Getting affordable personal injury protection (PIP) auto insurance can help cover medical bills and save money at the same time.
Uninsured Motorist Protection for Medical Coverage After an Accident
If you’ve ever wondered what happens when you hit an uninsured driver, the answer is, it depends on what kind of state you live in. If your state is a no-fault state, then getting in an accident with an uninsured driver doesn’t matter.
If you live in a tort state, though, you’ll only be covered if you have uninsured motorist coverage. Most states are tort states, so having uninsured motorist protection on your policy is a must.
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Final Thoughts About Whether Farmers Covers Medical Bills Resulting From the Accident
That’s what you need to know about whether Farmers covers medical bills resulting from the accident. When you’re in an accident, and you or the other party have Farmer’s insurance, you will need either Medical Payments coverage, uninsured motorist protection, or PIP insurance to have your medical bills paid.
Your auto insurance rates will increase if you add these coverages, so compare free auto insurance quotes below to find more affordable insurance.
Frequently Asked Questions
Is Farmers good at paying claims?
According to Farmers auto insurance reviews, Farmers is as good as the average insurance company at paying claims. It ranked second in J.D. Power’s annual claim satisfaction study, better than Geico but not as good as USAA.
What insurance covers other people’s injury or loss for which you are responsible?
This type of insurance is called liability insurance. It is the most common of the different types of car insurance.
What is the Farmers Insurance New Car Pledge?
The new car pledge is a guarantee that Farmers will replace a newly purchased vehicle with one of the same make and model at full market value without depreciation as long as it has less than 24,000 miles on it and is no more than two model years old.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.