Medical Payments vs. Personal Injury Protection: What To Know About Your Auto Insurance Policy

You might notice different terms that you may have questions about when you look over your auto insurance policy. Here, we’ll review how medical payment and personal injury protection provide coverage in Boston, MA, particularly if you’re looking to improve your protection on the road. 

What’s the Difference Between Personal Injury Protection and Medical Payments?

Both of these cover injury expenses resulting from an auto accident. The difference is that medical payments (MedPay) reimburses medical bills only, while personal injury protection (PIP) provides a broader scope of reimbursement if you’re injured. For instance, if you had to miss three days of work due to recovery from an auto accident, personal injury protection may provide you with partial compensation for the days you missed. It may even cover at-home care, such as a service that will have helpers run errands or cook meals. 

Is Personal Injury Protection Required?

Yes. If you live in Boston, MA, your auto insurance policy must include personal injury protection. If you want additional protection, especially given the high costs of health care, Smoller Insurance Agency recommends getting optional MedPay coverage, which provides additional compensation for major injuries beyond PIP.

Contact Smoller Insurance Agency for answers to your questions about your auto policy. When injuries, such as back pain or shoulder aches, can have long-lasting mobility repercussions, it can help to have a little extra cushion. Whether you’re upgrading your coverage or seeking a new policy, call us to discover how we can assist you.