Choosing The Perfect Counsel

If you are involved in a car accident and are injured, who is going to pay for those injuries? Even if you have health insurance, some of these costs may be up to you. Unfortunately, this is still the case even if you weren't the person who caused the accident. Before you sue the other person, you should find out if your car insurance policy has bodily injury coverage. The following car insurance policies typically include some type of personal injury coverage.

Liability

General liability car insurance may pay for your bodily injuries, but not your own policy. This is only effective if the other driver has a liability insurance policy. Hopefully the other driver has at least liability, since it is required in most places. However, if they don't you might not have any coverage. On the other hand, if you caused an accident, your own liability insurance policy will help to pay for bodily injuries other people received.

Medical Payments Coverage

You can choose to add a medical payments coverage to your regular car insurance policy, whether you have liability or comprehensive insurance. This will only be available once you have reached the limits for your health insurance. This means you first file a claim with your health insurance company for your injuries, then any remaining costs would be covered by the medical payments coverage. This includes coverage for yourself if you are in your own car or someone else's car, and your passengers.

Uninsured Motorists

If you are involved in a collision that is the fault of someone else, the hope is that they have insurance to help pay for your injuries. However, if they don't have insurance, you are out of luck. One way to reduce the risk is by getting an uninsured motorists insurance policy. It is usually combined with the underinsured motorists coverage and can be added to your current car insurance policy. If the other driver doesn't have insurance or an inadequate amount of insurance, you may still get help paying for your medical care.

Personal Injury Protection

The last area of coverage if you are injured in a collision is with personal injury protection. This type of coverage is called a "no fault" policy, where it can help with injuries whether or not you were at fault for the accident. A personal injury protection policy covers medical care and hospital bills, prescriptions, rehabilitation, and home care services. It also includes lost wages and funeral expenses if they apply. (For more information on this topic, you can contact A Personal Injury Network)