Reader’s Question:

Will the medical payment coverage on my auto insurance here in Palm Beach, Florida still pay for my medical expenses if I get into an accident driving another person’s car? Also, do I need to get the PIP if I am already paying too much for my health insurance?

Neal

Palm Beach, FL

The coverage for medical payments or what is called the Medpay would pay for your medical expenses and also for your passengers after a car accident. This would include accidents while you are driving your own automobile, while you are driving another person’s car but with their permission, or injuries to you or other family members while you are pedestrians. MedPay would pay regardless of who caused the accident, but if another person is at fault, your car insurance provider in Palm Beach, Florida may go after them and seek damages from the other party.

Personal Injury Protection or the PIP would pay for medical expenses and also lost wages for you and your passengers who got injured in an accident. It would also provide coverage for funeral costs and PIP is required in the state of Florida. If you are already paying too much for great health and disability insurance, you may opt to purchase only the minimum cost since it is required.

Tags: auto insurance