What are medical payments coverage and personal injury protection in a car insurance policy?

Medical payments coverage can help with medical expenses associated with an auto accident — for you, your passengers and any family members driving the insured vehicle at the time of the accident — no matter who is at fault. It typically covers doctor visits, hospital stays, surgery, X-rays and other medical bills.

Medical payments coverage can also help cover medical expenses if you or a family member are injured in another car or as a pedestrian. Even if you have health insurance, medical payments coverage can help cover your co-pays, and it can extend to your passengers, while your health insurance may not.

Another type of coverage that can help if you're injured in a car accident is Personal Injury Protection, or PIP. Although it's not available everywhere, it is required in some states.

PIP typically covers medical costs, similar to those covered by medical payments coverage. Your health insurance has deductibles and limits, and PIP can help you cover these deductibles or expenses that exceed the limits.

Also, PIP can help compensate you for lost wages due to a car accident. Or, it can help pay for services such as child care, if an injury prevents you from being able to take care of your kids. And, if the worst happens when you're behind the wheel, PIP can help your family pay for a funeral

Have questions about how to protect yourself? Contact your local Allstate agent today.

(Hand writes: www.Allstate.com)

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