Injuries and medical payments are not fun topics to consider. But, imagine if you or one of your passengers suffer an injury while in your aircraft. Medical payments coverage pays the medical expenses for those injuries, including ambulance, surgical, dental, professional nursing, and the like. It also covers injuries that occur to anyone entering or leaving your plane.
Your aircraft insurance policy will pay the set amount (usually between $1,000 and $10,000 per passenger), regardless of who is at fault in the accident, for those related medical expenses. Since the purpose of this coverage is to pay for immediate medical treatment, most policies have a set time limit on the payment of medical services provided.
It’s smart to carry Medical Payments coverage on your aircraft insurance policy because it can sometimes cover the smaller injury claims and prevent a larger lawsuit against your bodily injury liability coverage. It may also pay expenses not covered by personal health insurance.
The good news is that this coverage is often available at little to no extra cost. The rates do vary by the number of passenger seats on your airplane and the limit you choose. And, most policies will include the crew in the coverage.
Under your aircraft policy, if you are legally liable for claims resulting from an accident with your aircraft, coverage would be provided under the Bodily Injury and Property Damage under your plane insurance policy.
AssuredPartners Aerospace, AOPA’s partner for aviation insurance, will review and discuss with you, your aviation insurance policy at no cost. We can also provide educational materials to help you better understand your policy and coverages. Get your free copy of our Owner Aircraft Insurance guidebook here.