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Recently, State Farm refused to pay a fire department bill for the use of the "jaws of life" to extricate an injured person from an automobile collision. State Farm’s basis for the coverage denial was that the extrication was a "non-medical" expense, and thus, not covered by the injured insured’s medical payments coverage.

This position leaves me to wonder what we’re really paying for when we buy automobile insurance coverage. I guess State Farm and other like-insurance companies expect its injured insured to be taken to the emergency room by the wrecker towing the mangled vehicle. Maybe the emergency room doctors and staff would enjoy working outside for a change.

Folks, question your insurance agent about your policy, and be sure to read your auto insurance policies carefully!

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