Car insurance coverage is essential for your financial protection and peace of mind while on the roads. Nevertheless, if you get into an accident causing bodily injuries, will your auto insurance pay for the victims’ medical expenses? Yes, it will cover the medical bills resulting from covered incidents, depending on your coverage type.
Let us discuss what coverages of car insurance will reimburse for medical expenses.
Suppose the accident you caused damages the property of another driver/trespasser or injures them. In that case, liability coverage will pay their medical and repair/replacement bills for the damaged property. It also protects you in case you are sued for causing such issues, covering your attorney fees and settlement costs.
If you are injured in an accident caused by another driver, their liability coverage will cover your medical expenses up to their policy’s limit. However, liability coverage will not cover your medical expenses; you need full coverage.
It covers your medical expenses, vehicle damage, and third-party medical bills if you are at fault in an accident. Besides, it offers roadside assistance that will rescue you if your vehicle breaks down due to a flat tire or no fuel.
Personal Injury Protection (PIP) Coverage
It covers injuries you and your passengers sustained in an accident, despite who is at fault. It protects your medical expenses, lost wages, and death benefits in fatal incidents. Liability and full coverage will only kick in if someone (you or the other driver) is at fault in an accident. However, PIP coverage will kick in if no one is at fault or you live in a no-fault state, where who causes an accident does not matter.
If you have PIP coverage and are injured in an accident, you can file a claim with your insurer even if the other driver doesn’t have insurance. PIP coverage is mandatory in some states, such as New York, Florida, Delaware, New Jersey, etc. However, even if it is not required in your state, you can stay covered against accidents and resulting losses.
It is also known as medical payments coverage that covers you if you are injured in an accident involving your car or someone’s car or if you are hit by another vehicle while crossing the road or walking across the sides. MedPay does not offer extensive protection like PIP but has some financial pros.
MedPay is affordable and does not require a deductible, but PIP requires a deductible sometimes. The maximum coverage you can get from MedPay is $25,000 for an accident. MedPay is mandatory in New Hampshire and Maine. If you live in other states, you can choose to have it or not, depending on your financial situation and coverage needs.
Will Auto Insurance Cover Funeral Expenses?
MedPay, PIP, or liability coverages will pay for funeral expenses, medical bills, and lost wages until the victim is named on the policy’s recipient page.
Ensure to have the above coverages under your auto insurance to get reimbursements for medical expenses resulting from covered incidents.
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