Personal Injury Protection Auto Insurance

Personal injury protection insurance pays for much more than medical payments coverage insurance. In addition to paying for medical and funeral expenses, this insurance will pay for many costs related to an accident, such as loss of pay and rehabilitation.

With personal injury protection coverage, you, your family, and other passengers are covered –  no matter who is at fault. Unfortunately, personal injury protection insurance is only available in some states ; therefore, motorists must either use their health insurance plan, medical payments coverage, or a combination of the two to pay for medical expenses.

Health insurance and personal injury protection

There are certain expenses that your health insurance may not pay for. Most likely, if you're so injured that you can't return to work for a short period of time, you can't claim lost wages with your health insurance company. However, you can file a claim with the carrier for your personal injury protection auto insurance and receive payments for loss of pay. Also, other passengers in your car that aren't under your health insurance plan may be covered.

It's worth comparing the benefits of both insurance plans to see whether it makes sense to supplement your health insurance with personal injury protection insurance, which could also be used to pay the deductible required by your health insurance company.

No-fault auto insurance coverage

You may be wondering how it would work if you cause an accident. Are you covered if you're at fault? The answer is yes. It doesn't matter who is at fault when it comes to personal injury protection insurance. What matters is who's covered under the policy, which can include passengers that are not family members, and the limits of your coverage.

Request a free quote for supplementary auto insurance today!