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The Medical coverage part of the policy pays for the cost of
treating injuries, rehabilitation and sometimes lost wages and funeral expenses. Medical
payments insurance provides for the immediate treatment of injuries caused by a car
accident.
You, your family members and other passengers in your car are covered, regardless of who
is at fault for the accident.
Depending on the specifics of the policy, medical payments coverage may also
compensate for lost wages or services of a person injured in the car accident.
Personal injury protection, or PIP is similar to medical payments coverage, but usually
provides broader coverage. Many PIP policies provide compensation for lost wages, funeral
expenses, and pain and suffering.
Most states that require personalize injury protection are "no fault" states, but Maryland, Delaware, and Oregon also do. You can find out your state's auto insurance laws and minimums here.
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