How To Cover Medical Expenses Through Car Insurance
If you are injured due to a car accident, you are likely to face high medical costs. While you may be aware of the car insurance coverages that help pay for your car's damages, you might not be aware that there are coverages that can help you pay your medical costs.
Continue reading to learn how you can have your accident-related injuries covered by your car insurance.
What Does My Car Insurance Policy Cover?
When it comes to medical coverages on your auto insurance policy, it is in your best interest to be absolutely certain of what your policy specifically covers. Knowing how your coverage works will go a long way in ensuring that you get the most out of your policy.
Continue reading for information regarding common types of medical coverages.
Liability Bodily Injury Coverage
Nearly every state in the country requires that every car driven on its public roads be insured with liability insurance. Your state will have a set minimum requirement for how much liability insurance you must have.*
Liability coverage consists of two parts:
- Bodily injury coverage: Pays for medical costs associated with injuries suffered by others in an accident you cause.
- It is important to understand that this coverage does not pay for your own injuries.
- Property damage coverage: Pays for damage to another person's property (e.g., vehicle) in an accident you cause.
When you're injured, the at-fault driver's bodily injury coverage will pay your medical expenses. If you are at fault, you'll have to use one of the coverages below.
* It is smart to purchase more liability coverage than required by your state, especially if you have valuable assets that can be sought in a personal injury lawsuit.
Personal Injury Protection (PIP)
In addition to medical costs, PIP also covers:
- Lost wages.
- Funeral expenses.
- Child care.
- Household maintenance.
Medical payments coverage is similar to PIP in that both will help with your medical costs no matter who is found at fault for the accident. If you live in a no-fault state, you may have the option of also purchasing medical payments coverage to help supplement your standard coverage if your PIP is not sufficient to pay your injury-related costs.
Medical payments coverage, compared to PIP, is limited. It only covers medical costs and funeral expenses.
Typically, medical payments coverage will not pay for your lost wages or other items covered by personal injury protection coverage.
Car Insurance and Your Health Insurance
Unless explicitly excluded from your policy details, your health insurance can also cover medical costs related to injuries you may suffer in a car accident.
PIP and Health Insurance
In no-fault states, you have the option of setting your PIP or your health insurance as the primary source of insurance coverage when it comes to accident-related injuries.
Whichever form of insurance you choose as your secondary will help pay for costs your primary insurance cannot meet.
Medical Payments and Health Insurance
As with PIP, you may have the option of setting either your medical payments coverage or your health insurance as the primary source of insurance coverage if you are hurt in a car crash. Whichever insurance you set as your secondary will help supplement your primary.
One thing you should consider before purchasing medical payments is the quality of your health insurance policy. If you have a strong health insurance policy, you may consider buying a minimal amount of medical payments coverage. You may even consider not adding it to your car insurance policy at all.
That's great! We would love to hear about your experience...
We are sorry you didn't find the information you were looking for. Please visit our Visitor Support page for answer to frequently asked questions, or to contact us directly.
Thank you for submitting your feedback!
Amanda Lautieri Limited Lines Auto Agent