What Car Injury Insurance Means

Car injury insurance refers to coverage that pays for injuries caused by a car accident. It may include:

1. Personal Injury Protection (PIP)

Pays for medical bills, lost wages, and related costs for you and your passengers, no matter who caused the accident.

2. Medical Payments Coverage (MedPay)

Covers medical bills for you and your passengers after an accident, regardless of fault. It is usually simpler than PIP but offers fewer benefits.

3. Bodily Injury Liability Insurance

Covers injuries you cause to other people if you are at fault in a crash. This does not pay for your own medical costs.

Why Car Injury Insurance Matters

Covers expensive medical costs after an accidentProtects your income if you cannot workHelps avoid large out-of-pocket billsGives peace of mind while drivingOften required by law

How to Choose the Right Coverage

Check your local legal requirements — some areas require PIP or specific coverage limits.Review your health insurance — if it is limited, stronger car injury coverage may help.Think about your driving habits — long trips or frequent passengers may need higher protection.Compare insurance companies — prices and coverages vary widely.Read the policy details — understand what is included and excluded.

Tips for Filing a Claim After an Injury

Get medical attention as soon as possible.Report the accident to your insurer quickly.Keep records of medical bills, reports, and receipts.Follow all instructions from your insurance provider.