Car Insurance and Medical Expenses

Are you planning to purchase auto insurance? If so, you should consider the importance of having coverage that will protect you if you or someone in your vehicle becomes injured. Although every state requires drivers to carry liability insurance that will cover the medical expenses of those injured in an accident that is your fault, that doesn’t mean you will be covered if the accident is your fault. Therefore, you want to make certain you have plenty of coverage to cover your medical needs as well.

Covering the Injuries of Others

Auto Insurance Medical Coverage is one form of medical coverage you will have with your car insurance policy. With this type of insurance coverage, the injuries of others involved in the car accident are covered. No matter who is at fault, your passengers and any pedestrians involved in the accident are certain to have their medical expenses covered. Having this insurance in place is important because the person who causes the accident may not have proper coverage or may not have enough coverage. With this insurance in place, you can take comfort in knowing that your medical expenses will be covered.

You might think that it is not necessary to have this coverage in place because you already have medical insurance. In many states, however, medical insurance coverage does not pay for medical expenses resulting from car accidents. In addition, your medical insurance may not provide enough coverage for your expenses. With Auto Insurance Medical Coverage in place, you can be certain you will be covered.

Covering Expenses Associated with Injuries

In most cases, Auto Insurance Medical Coverage only covers the medical expenses that you incur as the result of an accident. In some cases, expenses associated with lost wages may also be covered with this insurance coverage, but that is not necessarily the case. In order to make certain other expenses associated with injuries is covered, you will need to carry Personal Injury Protection coverage.

Personal Injury Protection coverage also helps pay for your medical expenses. Unlike Auto Insurance Medical Coverage, however, Personal Injury Protection coverage pays for other expenses associated with the injury as well. For example, lost wages are definitely covered by Personal Injury Protection coverage. In addition, you can be compensated or pain and suffering associated with the injuries. In the event of death, funeral expenses are also covered with Personal Injury Protection.

Whether your state allows injuries from car accidents to be covered by general medical insurance or not, it is always a good idea to make certain you have additional coverage through your car insurance policy. Not only will this ensure that your injuries are covered, it will also protect those people that are riding in your vehicle that may not have insurance coverage and will protect you from liability if the accident is your fault.