Personal Injury Protection - Medical Auto Insurance

Commonly referred to as Personal Injury Protection or "No Fault Coverage", the medical payments portion of a policy provides protection for the policyholder, family members and passengers who sustain injuries resulting from a traffic accident while in the insured's vehicle regardless of who was at fault. Compensation may be provided for any necessary medical and funeral services incurred within three years of the date the traffic accident occurred. Typical limits of medical payments coverage are $1,000, $2,000, $5,000, or $10,000 which applies to all injuries sustained by each individual in any one accident.

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Medical auto insurance coverage may be mandatory in states who go by the "No Fault Insurance Law" which aim to lower premiums by avoiding expensive litigations to determine fault; although, critics of this law argue that there is no punishment for reckless drivers, just increased premiums. States which do not adopt this law, usually require one to carry liability coverage.