Medical Payments and Personal Injury Protection

Medical Payments coverage.
This type of insurance policy is often referred to as MedPay. It covers the medical bills for injuries to you and any of your passengers that result from an accident. In most instances, this type of coverage also pays medical costs for you and your family in the instance where you are driving someone else’s car (assuming that they have given you permission to drive it). It also provides coverage if you are injured as a pedestrian. MedPay coverage pays out no matter who is found at fault, though your car insurance carrier can recoup the expense from another party should they be found liable for the accident.

Personal Injury Protection coverage.
This type of policy is similar to MedPay, but provides additional expenses related to an injury due to an accident that are not necessarily medical in nature: This includes lost wages, costs of childcare or funeral costs, and others. As of this writing, Personal Injury Protection coverage is only required in sixteen states.

QualityAutoInsurance.com recommends that you look at your existing health insurance plan to see what it covers as you may decide to go with the bare minimum of PIP or MedPay coverage depending on what your health insurance provides in these areas.