Does liability insurance cover medical expenses for me and my passengers?

Liability insurance does not typically cover medical expenses for you or your passengers. Liability insurance helps cover costs for other people if you’re at fault in an accident, but it usually does not cover your own medical bills. To help with medical expenses for you and your passengers, you may need to have medical payments coverage or personal injury protection (PIP) as part of your auto insurance policy. It’s important to review your policy and speak with your insurance agent to make sure you have the right coverage for your needs.

Posted by Alyssa DiCrasto

Alyssa uses her many years of experience writing about complex industries to research and create clear content that makes insurance easy to understand. She has been with Rate Retriever since its beginning, establishing our strict editorial policy and directing our comparison experience.

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