What does accidental medical protection plan coverage do?

Accidental medical protection plan (AMPP) is an inexpensive but limited-benefit plan that covers you while you're driving or riding in any private passenger vehicle.  Coverage is regardless of fault.  Your family can be covered, too, if you choose an AMPP family plan. 

Accident medical insurance provides reimbursement for specific accident-related injuries, medical equipment required for injuries or situations (such as the need for gas, limited towing, etc.) without a deductible.

Under the medical expenses, accident medical insurance pays for injuries (e.g. broken hand), medical equipment (e.g. air cast) and related medical expenses (e.g. X-ray).  For situations, AMPP may include coverage for fuel delivery, flat tire changing or limited towing services.

AMPP coverages and terms vary greatly according to state laws and policy, however, normally the payment for a claim is a flat amount according to the carrier’s schedule of covered events.  What is covered will be defined by your specific policy.  The coverage limits are written so that they refer to the maximum amount that will be paid per incident, per term, respectively.

AMPP may also be referred to as accidental death and dismemberment (ADD) if it includes compensation if you die or become dismembered due to an auto accident.  When offered, ADD pays up to the limits of your policy and regardless of fault.

Is accidental medical protection plan coverage mandatory?

 No.  Accidental medical insurance is not required coverage and not offered by all car insurance companies.

What happens if I don’t have accidental medical protection plan coverage?

If you choose to not carry the accidental medical protection plan as part of your car insurance policy, then to have your medical expenses paid for when you are at-fault in an accident, or when the at-fault party cannot cover your injuries, you will need to have coverage such as medical payments or personal injury protection (PIP), or you may end up paying out-of-pocket for your medical bills.

Having AMPP along with PIP may be helpful because it can offset some of the costs if PIP doesn’t pay out 100% for certain benefits.  However, most AMPP polices have low limits of reimbursement.

If you have adequate health insurance, then the accidental medical insurance may be unnecessary. 

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Michelle Megna
Editorial Director

Michelle is a writer, editor and expert on car insurance and personal finance. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.