Does Full Auto Insurance Coverage Cover My Medical Bills When I'm at Fault in the Accident?

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In auto insurance, liability coverage pays for the damage you cause to other drivers in accidents that are your fault. If you cause an accident, the other driver's insurance isn't responsible for paying any of your bills. Some auto insurance plans do, however, include coverage to pay for your medical bills even if you caused the accident.

Personal Injury Protection

"Full auto coverage" is a term that people sometimes use to refer to auto insurance plans that cover a lot of different expenses, but there is no such thing as a full coverage plan. Auto insurance is divided into several coverage categories, each of which covers a different type of expenses that can result from auto accidents. If you have medical expenses after an accident, you can get cash from your auto insurance company if you have personal injury protection coverage. PIP coverage can also pay for things like income lost due to injuries and child care.

Medical Payments Coverage

Medical payments coverage is an alternative to personal injury protection coverage that also pays for medical expenses you have after an accident regardless of who is at fault. Medical payments coverage is more limited than PIP coverage because it only covers medical expenses and funeral costs.