If an insured is injured in a car accident, this coverage can be very important if the other driver has limited insurance or if the insured is partly at fault for the accident. Medical expense insurance will pay the insured directly for medical expenses related to the accident. It applies to medical bills for treatment within three years of the accident. The payments are made when the medical bills are submitted to the insurance company. This means the injured person does not have to wait until the end of a personal injury case to receive payment.
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Medical expense coverage is an option on car insurance policies. The Virginia law which describes it is Code Section 38.2-2201.
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