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Does my car insurance policy pay for medical bills?

Having a provision for medical coverage within your automobile insurance policy can be advantageous. The coverage amounts dictated in your policy represents exactly how much money your insurance company will put toward either your or another party's medical expenses. The majority of the states in this country do not require a motorist to maintain a specific amount of personal injury coverage. However, dependent upon the forms of insurance you maintain, your policy may already contain it.

There are currently forty seven different states that require a motorist to maintain a minimum form of liability insurance. Liability insurance is divided into two subsections: bodily injury liability protection and property damage liability protection. Your state law will dictate the monetary amounts of this coverage that you must maintain. However, the amount of money that your policy allots for bodily injury liability insurance will be used to cover the medical expenses of any party who may be involved in a collision in which you are at fault. It is important to note that liability insurance will not help you with your medical expenses or the costs of repairs to your property damages.

The system that your state operates in determining fault when an automobile accident occurs will dictate what types of insurance you will need to maintain. There are two main systems: the no fault system and the Tort system. Under a no fault system, each party involved in an accident shares an equal amount of blame. Each individual's insurance company is responsible only for their respective medical expenses and the repair costs associated with the damage to their vehicle. Motorists in these states are required to have uninsured motorists protection and personal injury protection insurance. Personal injury protection insurance (or PIP) is specifically designed to provide payment for the medical expenses your or your passengers incur in an accident. Under the guidelines for a Tort system, one driver must be deemed at fault for the collision. If you live in one of the states that employ a Tort system, you are only required to carry liability insurance. The bodily injury liability portion of this insurance will, again, assist in the payment of medical expenses for other parties if you are determined to be at fault in the accident.

It is in your best interest to examine your insurance policy and familiarize yourself with its guidelines for payment of your or other party's medical expenses. Double check your policy against the information given above to make sure you are covered. Should you find a discrepancy, you may want to consider adding a rider to your policy that will allow for you to have some form of medical injury protection. Even if you opt to only carry liability insurance, if you have a comprehensive health plan, it may suffice to cover any medical expenses you may incur in an accident. If having medical injury protection coverage is of high importance to you, an automobile insurance quote will allow you to compare prices on policies that offer an emphasis on your desired areas of coverage.

 

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