Posted by on May 27, 2016 in Insurance | 0 comments

One of the consequences associated with a car accident is medical expenses. You are likely to sustain injuries or even undergo surgery. Aside from damages to your car, your insurance policy will also provide medical coverage. According to the website of Karlin, Fleisher & Falkenberg, medical costs can be extremely expensive so it pays to have medical coverage. Here are the steps on how to get medical coverage after an accident:

1. Liability Insurance

State laws require that every insurance premium should have liability insurance. The state will determine the minimum requirement on the amount of liability insurance. Liability insurance consists of two parts:

Bodily injury coverage. This type of coverage pays for medical expenses due to injuries suffered by another person if you were deemed at-fault. Again, this coverage will not pay for your own injuries.
Property damage coverage. In an accident where you were deemed at-fault, property damage coverage pays for any damage to another person’s property.

Since the bodily injury coverage of liability insurance does not pay for your own medical expenses when you are deemed at fault, it is important to get one of the following coverages:

Personal Injury Protection (PIP). Also known as “no-fault” insurance, this will pay for your medical costs regardless of who was at-fault. Aside from medical costs, PIP will also shoulder the following:

  • Lost income
  • Funeral expenses
  • Child care
  • Household maintenance

Ina no-fault state, you can choose to set your PIP or your health insurance as the main source of insurance coverage for accident related injuries. Your choice for secondary option will help defray costs for your primary insurance.

2. Medical Payments Coverage

Medical payments coverage works like PIP because it also pays your medical expenses regardless of fault. If you reside ina no-fault state, you can use medical payments coverage to supplement your standard coverage if your PIP is not enough to shoulder injury-related costs. The downside of medical payments coverage is that it will not pay for lost income or other items that is paid for by PIP.

In a no-fault state, you may opt to set medical payments coverage or your health insurance as your main source of coverage if you are hurt in a car accident. Again, your secondary option will supplement your primary source. Medical payments coverage may pay for any treatments that is not covered by health insurance.

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