Medical Payments coverage and Bodily Injury Liability differ in one big way. One provides coverage for you and one covers other drivers. It is important to know the difference between the two when deciding how much coverage you want.
Bodily Injury Liability
Bodily Injury Liability covers another drivers physical injury when you caused the accident. It can also provide coverage for:
- Pain and Suffering
- Income Loss if the other driver is unable to perform their normal work activities
- Legal Fees
- Medical Expenses (hospital care, follow-up doctor visits, wheelchair, etc.)
Every state has a minimum coverage amount a driver must carry on their vehicles.
Medical Payments Coverage
Also known as MedPay, medical payments coverage follows the policyholder. It also usually covers any passengers or family members in the vehicle. No matter if your walking, riding in a friends car, or on public transportation, your medical payments follow you, the policyholder.
Pennsylvania is a no fault state. So if the accident is caused by another driver, their Bodily Injury Liability will reimburse your medical expenses. If you caused the accident, your medical will reimburse your medical expenses. Even if you have health insurance, it doesn’t always cover injuries due to an auto accident.
Talk with an Agent
Insurance terms and coverages can be very confusing. If you have questions or are looking for a free quote call Barrick Insurance at (717) 632-7270.