In a Personal Auto Policy, what is the coverage duration for Medical Payments?

Medical Payments coverage in a Personal Auto Policy typically lasts for a duration of 36 months from the date of an accident. This coverage is designed to pay for medical expenses incurred by the insured and, in some instances, their passengers, regardless of fault. The period of 36 months allows for ample time for recovery and covers a wide range of medical expenses that might arise due to an automobile accident.

This extended duration is intended to help policyholders manage their medical costs, as accidents can lead to prolonged recovery times and multiple medical bills. Understanding this timeframe is essential for both adjusters and policyholders when navigating claims related to medical expenses following an auto accident.