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How To Cover Medical Bills With Car Insurance

Being involved in an accident is really a nasty situation. Besides dealing with the trauma and destroyed items, you must also face the high cost of treating injuries. Find out how to cover medical bill with car insurance. If you are interested about car insurance, also get free insurance quotes auto online from our website.

Accidental Death and Dismemberment InsuranceThe first scenario is when you are the guilty party and you have to reimburse the victims. If you cause an accident you are financially responsible for the victims’ medical and repair bills. You should keep in mind that you should not admit fault in the accident because your insurance company will do an investigation on your behalf and determine fault and claims settlement. You are required by law to buy minimum limits of liability coverage that will help pay for the victims’ damages. Typically the minimum coverage is insufficient to cover the treatment and medication of more serious injuries. The company will pay up to the maximum contracted liability level, after that it is up to you to pay the rest. That’s why it is so important to weigh the potential exposure to your personal net worth when you are deciding how much liability coverage to buy.

The second scenario is when you are the victim. Under the tort system the person who caused the accident is financially responsible for medical and repair bills, but if someone doesn’t have insurance it may be difficult to recover any damages. Uninsured/underinsured motorists coverage acts like a liability policy from your own insurance company to help pay for your damages when you are hit by an uninsured or underinsured driver.

Policies like PIP or other forms of medical payment insurance will be very useful in this scenario. Personal Injury Protection is a no-fault insurance and you can access it no matter if you are the guilty driver or not. This policy was designed to cover lost wages, cover for funeral expenses and for long term medical care expenses.

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