Understanding Medical Coverage and Auto Insurance

Understanding Medical Coverage and Auto Insurance

When you obtain an auto insurance policy, there are two different types of medical insurance coverage you might include in your policy. These are Auto Insurance Medical and Personal Injury Protection (PIP).  Although these two types of insurance coverage are similar, there are some differences that you need to understand in order to make certain you have the proper type of protection in place.

Auto Insurance Medical Coverage

Auto Insurance Medical coverage is in place to help cover the costs of providing immediate treatment to injuries in a car accident.  With this coverage, every person in the vehicle is covered no matter who was at fault.  In some auto insurance policies, it is also possible to cover the cost of lost wages associated with the injuries.

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Personal Injury Protection

Personal Injury Protection also provides coverage for medical expenses, but has a broader amount of coverage.  Rather than being limited to covering medical expenses and possibly lost wages, PIP also helps with the costs associated with pain and suffering as well as with funeral expenses. 

Some states require drivers to carry PIP insurance.  In most cases, those states that require PIP are “no fault” insurance states.  Some states, such as Delaware, Maryland, and Oregon, also require PIP coverage even though the states are not considered to be “no fault” states.

Auto Medical and PIP Versus Health Insurance 

Even if you have a good health insurance policy, it is generally best to also carry auto medical and PIP coverage.  This is because some health insurance policies will not cover the medical expenses associated with a car accident.  In fact, in some states, you will automatically be asked how the injuries occurred.  If they happened at work or in a car accident, your health insurance policy is not expected to cover the expenses. As a result, the health insurance company may deny the coverage.  Therefore, before you rely on your health insurance to keep you protected, check into your state regulations and make certain your policy will cover your medical expenses if you are injured in an auto accident.

Even if your health insurance will cover the medical expenses associated with a car accident, it is still usually a good idea to carry a medical or PIP insurance.  This way, if you get in an accident while other people are in the car, you can be certain their medical expenses will be covered as well.  Not only will this help your passengers get the care they need, it will also protect you from liability.


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