Generally speaking, auto coverages break down into 3 distinct categories: liability, vehicle-based, and medical. While some are required and some are optional, all are extremely valuable protections that can help financially safeguard you. Here are the main types of auto insurance coverage you can choose when you get a quote.
Medical coverages for drivers
Medical coverages are designed to pay for the medical care of you and your passengers after an accident.
Medical payments coverage
Medical payments coverage, also known as medical and funeral services payments, can help cover accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. It can also offer coverage if you’re struck by a car as a pedestrian or cyclist.
Personal injury protection (PIP) coverage
Personal injury protection can help cover medical expenses for you and your passengers after an accident, regardless of fault. Offered (or required) in no-fault states, PIP is a complex coverage that varies widely by state. In general, it covers hospitalization, rehabilitation, other medical expenses, and (sometimes) lost wages up to the limits you select.
No-fault states restrict what drivers can and can’t legally recoup from other drivers after an accident. In these states, you (and your insurer) are responsible for your own medical expenses up to a state-specific threshold.