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Insurance · Auto Insurance

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

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

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

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

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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About this topic: Auto Insurance

Auto insurance questions cover the personal auto policy: liability, medical payments, uninsured and underinsured motorist, collision and comprehensive coverages, who is an insured, exclusions and the state's financial-responsibility requirements. This is one of 16 Casualty Insurance questions on auto insurance, each with a full explanation on a single study page.

New to this exam? Our Insurance exam guide explains the format, scoring, and how to prepare.

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