Harm and death liability is required in every state except two (New Hampshire and Florida). This coverage pays for medical costs associated with a covered event for people who are affected by an at-fault driver. However, in no-fault states and in some at-fault states, motorists may be required to carry additional medical protection in the form of personal injury protection (PIP) or MedPay. These two forms of medical protection cover you and your passengers, regardless of who is at fault. This can be a real bonus to your finances if there is a bad car wreck.
This coverage is more popular. It is required in 12 states where only two states require MedPay. Other states may require agents to provide information about PIP or MedPay and their residents must refuse this in writing. PIP offers a variety of coverage following a car wreck and it is available immediately, unlike liability which may not pay out until after insurers have determined who is at fault. Some of the items covered by PIP include:
- Medical expenses
- Lost wages
- Help paying for things like child care and house cleaning if you are unable
- Funeral expenses
Medical payments is only required in New Hampshire and Maine. In New Hampshire, motorists will only be required to pay for MedPay if they elect to have coverage. Like PIP, MedPay is designed to kick in immediately while carriers possibly battle out in court who is responsible. Some items covered with MedPay include:
- Medical costs
- Physician visits
- Bills for X-rays, surgeries, medical devices
- Nursing care and rehab
- Funeral expenses
One big difference between PIP and MedPay is that PIP requires a deductible, while MedPay does not. However, MedPay does not compensate for lost wages or duties, such as childcare, that an injured person can no longer perform. On the other hand, you can use MedPay to help pay for your regular health policy deductible.