GoAuto Insurance stands out as a trailblazing provider, offering unparalleled coverage options for individuals who are facing the unique challenge of insuring a vehicle without a title. This innovative approach empowers our customers with peace of mind, knowing that their automotive protection needs are met, regardless of their vehicle’s registration status. Whether you have purchased a car from a private seller, are in the process of obtaining a new title, or have lost your vehicle’s title, GoAuto Insurance has you covered.
Our comprehensive insurance plans include collision, comprehensive, liability, and uninsured/underinsured motorist coverage, safeguarding you against a wide range of potential risks. Additionally, we provide personal injury protection, ensuring that you receive compensation for medical expenses resulting from an accident, regardless of fault. Unlike other insurance companies that may deny coverage or impose restrictive conditions on vehicles without titles, GoAuto Insurance recognizes that your need for protection remains the same. We believe that everyone deserves access to affordable and reliable insurance, no matter their circumstances.
Applying for GoAuto car insurance without a title is straightforward and hassle-free. Our online application process guides you through each step, ensuring that you provide the necessary documentation while protecting your privacy. Our experienced customer service team is also available to assist you throughout the process, answering any questions and providing personalized guidance. By choosing GoAuto Insurance, you are not only safeguarding your vehicle but also gaining the confidence that comes with knowing you are covered in the event of the unexpected.
Medical Payments Coverage
Medical Payments Coverage (MPC) is a type of auto insurance coverage that pays for reasonable and necessary medical expenses incurred by you, your family members, and passengers in your vehicle after a car accident. This coverage is designed to provide immediate financial assistance for minor medical expenses, regardless of who is at fault for the accident.
Minor Medical Expenses for Passengers
MPC typically covers a wide range of minor medical expenses, including:
- Doctor’s fees
- Hospital bills
- Prescription drugs
- Dental work
- Medical equipment
- Physical therapy
- Occupational therapy
- Speech therapy
The amount of MPC coverage you can purchase varies depending on your insurance company and state laws. However, most policies provide coverage limits between $1,000 and $10,000.
Exclusions
MPC does not cover all medical expenses. Some common exclusions include:
- Expenses covered by other health insurance policies
- Cosmetic surgery
- Experimental treatments
- Expenses incurred outside the coverage period
- Expenses incurred while driving under the influence of alcohol or drugs
Benefits of MPC
MPC provides several benefits to drivers and passengers:
- Immediate financial assistance: MPC can help pay for medical expenses immediately after an accident, reducing the financial burden on you and your family.
- Coverage for passengers: MPC provides coverage for all passengers in your vehicle, regardless of who is at fault for the accident.
- Flexibility: MPC is often available as an optional coverage, allowing you to customize your insurance policy to meet your specific needs.
- Peace of mind: Knowing that you have MPC coverage can provide peace of mind, knowing that you are financially protected in the event of a minor medical emergency.
Does MPC Cover Non-Passengers?
No, MPC typically does not cover medical expenses for non-passengers, such as pedestrians, cyclists, or other drivers involved in the accident. If you want coverage for these individuals, you may need to purchase additional coverage, such as Bodily Injury Liability or Uninsured/Underinsured Motorist Coverage.
What is the Difference Between MPC and PIP?
MPC and Personal Injury Protection (PIP) are both types of auto insurance coverage that pay for medical expenses after a car accident. However, there are some key differences between the two:
| MPC | PIP |
|---|---|
| Covers medical expenses forpassengers | Covers medical expenses for policyholder and passengers |
| Typically has lower coveragelimits | Typically has higher coveragelimits |
| Available as optional coverage | Required in some states |
How Much MPC Coverage Should I Get?
The amount of MPC coverage you should purchase depends on several factors, including the number of passengers you typically carry, your financial situation, and the state you live in. Most experts recommend purchasing at least $5,000 in MPC coverage, but you may want to consider more if you frequently carry passengers or have a high risk of being involved in an accident.
GoAuto Car Insurance: A Comprehensive Review
GoAuto Insurance is a reputable provider offering a wide range of coverage options tailored to meet the needs of drivers in various states. With a commitment to customer satisfaction, they provide competitive rates, personalized policies, and exceptional claims handling.
GoAuto’s comprehensive coverage includes liability, collision, and uninsured/underinsured motorist protection. They also offer optional add-ons such as rental car reimbursement, roadside assistance, and gap coverage, allowing drivers to customize their policies to suit their individual requirements.
One of the key benefits of GoAuto Insurance is their user-friendly online platform. Customers can easily obtain quotes, manage their policies, and file claims online or through the dedicated mobile app. The company’s customer service team is highly responsive and provides assistance with any insurance-related queries.