It’s possible your auto insurance policy includes Medical Payments Coverage (Med Pay). If so, Med Pay will provide a specific amount of coverage for your (and your passengers’) medical expenses from a car accident regardless of who was at fault. These can help pay for hospital stays, medication, physical therapy, and more.
Med Pay is automatically included in your policy if you live in Pennsylvania, Maine, or New Hampshire.
Personal Injury Protection (PIP) is similar to Med Pay but also includes lost wages and other expenses arising from a car accident, regardless of who was at fault.
PIP is automatically included in your policy if you live in one of these states: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah.