2) Part B- Medical Payments
Medical payments coverage provides payments for the reasonable and necessary medical expenses of the insured and family members as a result of an automobile accident. The coverage is extended to include any funeral expenses for the insured and any other family member who suffers bodily injury as a result of the accident. Only those expenses rendered within 3 years of the date of an accident are covered.

Sample policy for Part B could look like:

Medical Pyaments Each Person $5,000
Personal Injury Protection Maximum Benefit $10,000

*Personal Injury Protection or PIP provides benefits no matter who is at fault. Certain states (such as Florida) will require you to carry a certain minimum amount of PIP in addition to the Property Damage Liability in order to register a vehicle in that state.

3) Part C- Uninsured Motorists
Uninsured motorist coverage is designed to pay the insured for compensatory damages that an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle due to bodily injury.

The insurance claim could arise due to a hit-and-run accident, a negligent driver that did not have insurance, or another driver with an insolvent insurance company. The coverage will apply to claims for medical expenses, lost wages, and pain and suffering- but will not cover punitive or exemplary damages.

Sample Policy for Part C could look like:
Uninsured Motorists
Bodily Injury Each Person $100,000
Each Accident $300,000
Who is insured?
  • The insured on the policy, spouse, and all family members
  • Any other person that occupies a covered auto
  • Any other person that is entitled to recover damages because of bodily injury to any of the previously mentioned persons is an insured


Physical Damage Under Automobile Insurance

Related Articles
  1. Insurance

    Do You Need Casualty Insurance?

    Find out how different types of coverages can protect you and which policy is right for you.
  2. Insurance

    How Much Car Insurance Do I Need?

    Find out to determine how much car insurance you actually need with this overview of the different types of coverage available in your policy.
  3. Insurance

    Beginner's Guide To Auto Insurance

    Find the perfect policy that suits both your coverage and budgetary needs.
  4. Insurance

    Top Tips For Cheaper, Better Car Insurance

    Accident, theft, vandalism - make sure your coverage will protect you when you need it most.
  5. Insurance

    For Top-Notch Insurance Coverage, Compare Quotes

    Find out how to use and compare policy options to get the best coverage at the best price.
  6. Insurance

    Insurance Coverage: A Business Necessity

    Don't go to work without this policy in place - especially if your work is in your home.
  7. Insurance

    Cover Your Company With Liability Insurance

    Every business is susceptible to legal action. Find out how to protect yours.
  8. Insurance

    Millennials Guide: Picking the Right Car Insurance

    Millennials fall into the category of high car-insurance rates. Check out some of the ways to save money, like owning an older car or leasing a vehicle.
  9. Insurance

    How Much Homeowners Insurance Should You Carry?

    This breakdown of coverage into its component parts will provide the answer.
  10. Insurance

    5 Insurance Policies Everyone Should Have

    Insurance policies come in a wide variety of shapes and sizes. Shop carefully and the right policies will go a long way towards helping you protect your assets.
Trading Center