Car insurance coverage for personal injury can provide compensation for medical expenses and lost wages if you, one of your passengers, or another driver are injured in an accident. Depending on who’s at fault, your insurance or the other driver’s insurance should pay. However, you should understand the types of car insurance that cover personal injury before you seek compensation.
Bodily Injury Liability Coverage
If an accident is the other driver’s fault, their bodily injury liability coverage will pay your medical bills. You won’t need to pay a deductible or deal with an increase in your insurance rates. You could even receive a check for lost wages. This type of insurance is part of the liability insurance that covers property damage in auto accidents. Most states require some coverage to protect drivers from uninsured or underinsured motorists.
Uninsured or Underinsured Motorist Protection
Unfortunately, some people don’t have liability coverage. If you’re hurt, uninsured motorist coverage will take care of your medical expenses. Without it, you could have to pay for some or all of your medical bills. Medical treatment and lost wages could cost tens or even hundreds of thousands of dollars for a severe injury. With insurance, you’ll get the money you deserve even if the person at fault can’t pay.
Personal Injury Protection
Personal Injury Protection, also called PIP or no-fault coverage, will take care of your medical bills no matter who caused the accident. If you don’t want to pay for comprehensive coverage for injuries and property damage, at least get PIP. You might need to pay for repairs if an accident is your fault, but you won’t have to worry about medical expenses or lost wages.
Legal issues can be very stressful, especially if you’re dealing with medical problems at the same time. Contact STEINLAW at 305-930-8176 to get the personal injury compensation you deserve.