In automobile insurance law, those medical-related expenses payable under an automobile insurance policy that include medical treatment and rehabilitative services, such as hospital, dental, surgical, psychiatric, psychological, osteopathic, ambulance, chiropractic, licensed physical therapy, nursing services, vocational rehabilitation and occupational therapy, nursing services, vocational rehabilitation and occupational therapy, speech pathology and audiology, optometric services, medications, medical supplies, and prosthetic devices. In Pennsylvania, $5,000 in medical coverage is required. Additional medical benefits coverage is optional.
Medical benefits are usually provided without dollar or time limits. In the case of most job place injuries, only medical benefits are provided since substantial impairment or wage loss is not involved. Employees have their choice of treating physicians after the first 10 days of medical care.