Medical Auto Insurance

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Personal Injury Protection

Medical car insurance is different from regular health insurance, as it covers costs related to personal injury sustained by you or passengers in your car at the time of an accident. Your regular health insurance may not completely cover all costs relating to an accident, or may carry high premiums that must be paid first. This is why medical coverage could be valuable to you. Make sure you are aware of what your personal health insurance policies are, so that you can accurately assess your risk and needs for this type of auto coverage. Medical auto coverage can vary according to levels of coverage; you can cover medical payments, funeral costs or lost wages. Depending upon what level you choose, the price varies. Choosing a level that covers lost wages is much more expensive than simple medical coverage, especially if you have a higher income that would need to be covered.

Also take into consideration the passengers that may be with you in an accident. If you regularly have passengers in your car who are not family members, you need to inquire with your prospective insurer about those types of personal injury claims. Again, check on any existing health insurance plans or disability insurance plans that you may have through work or personally. If these policies cover you similarly and make sense financially, you may not need medical car insurance.