When someone crashes into your vehicle and you are injured, it’s clear you won’t be liable for your medical costs. However, many are unsure of who foots the bill when they are the one at fault in an accident. The waters can get even murkier when fault is not clear. Of course, the answer to this can be simple if you choose the right insurance to begin with. Insurance companies offer coverage that will pay your medical bills, regardless of fault.
Liability Insurance for Other Occupants
Just about every state requires motorists to purchase liability to drive legally. This liability covers repairs and medical costs when the motorist is at fault in an accident. The required insurance typically includes bodily injury per person and per accident, property damage and, in some cases, uninsured or underinsured motorist protection. The last category provides coverage for accidents where the motorist is not at fault but the other driver has little or no insurance to cover costs.
Coverage for the Policyholder
Liability insurance doesn’t cover the policyholder. If a driver has only the minimum to drive legally for their policy, they are not covered if the accident is their own fault. This could mean paying for your car repairs and medical bills in full if you’re found to have been the cause of the accident. To cover yourself during an accident, you can choose extra coverage options that will up your premium but add to your peace of mind.
- Coverage for Medical Payments. This type of coverage is helpful in no-fault states where personal injury protection is required. This includes medical costs for both the driver and the passengers in the vehicle such as hospital stays, doctor’s visits, physical therapy and even funeral expenses.
- Collision Coverage. On the other side, collision coverage covers the cost of repairs or replacement of a vehicle. This includes when the driver is at fault in the accident. Collision nearly always includes a deductible that is typically $250, $500 or $1,000. Higher deductibles mean lower premiums.
If you were in an accident and were at fault, you need legal representation. Contact us today to ensure your rights are protected.
