Car Insurance - Medical
Personal Injury Protection
Medical payments car insurance or personal injury protection car insurance pays for injury to you and your passengers. You can buy a variety of car insurance coverage levels; from medical payment, to lost wages and even funeral costs.
Medical car insurance coverage can be very expensive; particularly if you are covering lost wages. If you have an existing Disability insurance plan, either personally or through work, it's not in your best interest to buy medical car insurance coverage for lost wages. If you have excellent Health insurance, you may be fully covered for medical payment for members of your immediate family.
This leaves the risk to passengers that are not part of your family who travel in your vehicle. If you car-pool for the local kid's soccer team twice a week, you may want this medical car insurance coverage anyway. But check your other insurance policies and be sure that you are not duplicating coverage.
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