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Car insurance in most states requires that the driver carry some form of personal injury coverage or PIP. This coverage is typically called a no-fault coverage wherein medical expenses are covered regardless of who is at fault in the accident. However, the car insurance company determines what medical expenses to cover based on a reasonableness determination.
The scope of medical expenses covered is defined in each policy, so take your time to review this coverage and ask questions. Some states mandate the terms of PIP and medical expenses that insurers must cover. The most common types of medical expenses covered under auto insurance include:
- Medical Costs
- Hospital Costs
- Lost Wages
- Funeral Costs
- Income Continuation
Being informed about the limits on personal injury coverage will give you peace of mind in the event you are in an accident.
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