What car accident medical expenses are covered by insurance?

Car accidents are stressful and scary for all involved, even if they are minor. Victims of car accidents can suffer a variety of different injuries, either minor or severe, that can have long-term effects. So, what car accident medical expenses are covered by insurance?

When involved in a car accident that involves more than one vehicle, your injuries will be covered by an automotive insurance policy. Personal Injury Protection (PIP), which is typically part of an automotive policy, will help cover your medical expenses should you be involved in a motor vehicle accident.

Another category under auto insurance is Medical Payments (MP). MP can help pay for the injuries of passengers in your vehicle that are injured during an accident. MP will also cover the injuries of you or a passenger who are injured in the vehicle, but not involved in an accident. This includes being injured by falling out of the car or slamming your hand in the door when closing it.

Specific medical expenses that are covered by automotive insurance include the following:

- Ambulatory transportation

- Emergency room bills

- Tests, x-rays, cat scans and other procedures

- Medications

- Rehabilitation

- Therapy

- Medical equipment (wheelchairs, wheelchair ramps, oxygen tanks, nebulizers, CPAP machines and other equipment)

- Surgeries

Personal injury protection typically covers child care, lost wages, household maintenance and funeral expenses. Funeral expenses include burial fees, cremation fees and any transportation fees.

In most instances, the defendant in a car accident case is not required to pay your medical expenses, even if they caused the accident that led to your injuries. For the most part, the person who causes an accident can be hit with damages and that money can be used to help pay for your medical expenses.

If you or a loved one has been injured in a car accident, contact a personal injury attorney to discuss the medical expenses that auto insurance will cover in Knoxville, Tennessee.

Source: Insurance Quotes, "What Medical Expenses Are Covered By Auto Insurance?," accessed May 05, 2017

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