What coverages will pay for my medical bills after an accident?

The answer depends on who is at fault and what coverage you have.

If you are not at fault, the other party’s liability coverage is responsible for paying your medical bills after an accident UNLESS you live in a no-fault state.

If you are at fault, but you live in a no-fault state, your personal injury protection coverage will cover your medical bills after meeting your deductible.

If you’re hit by a driver with no or insufficient insurance, uninsured motorist coverage can step in.

Medical payments coverage can also be used to pay your medical bills after an accident, regardless of fault.

Another source of payment for your medical bills is your medical insurance coverage, which you can use in combination with your car insurance coverage if you need to.