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Insurance · General

Which auto coverage pays your medical bills after an accident regardless of who was at fault?

Correct answer

Medical payments (MedPay) or Personal Injury Protection (PIP)

  1. A Bodily injury liability
  2. B Collision
  3. C Medical payments (MedPay) or Personal Injury Protection (PIP)
  4. D Comprehensive

Why this is the answer

Medical Payments (MedPay) and Personal Injury Protection (PIP) cover the insured's own medical expenses regardless of fault. MedPay is supplemental and doesn't replace health insurance. PIP (required in no-fault states) is more comprehensive — it also covers lost wages and other expenses in addition to medical bills. In no-fault states (Michigan, Florida, NY, NJ, etc.), PIP pays first for the insured's injuries regardless of who caused the accident; liability coverage kicks in only for more serious injuries exceeding a threshold.
Source: P&C Exam, MedPay and PIP

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A deer runs into the road and a driver swerves to avoid it, hitting a guardrail. Which coverage applies?

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