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Property, Casualty and Liability Insurance - Automobile Insurance: Medical Coverage and Uninsured Motorists

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
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