Auto accident protection
Auto accident protection is a rider that supplements auto insurance by covering medical expenses, regardless of fault. Insurers like Geico and Progressive offer auto accident protection to pay hospital bills after car crashes.
In most states, drivers buy accident protection with limits typically ranging from $1,000 to $25,000 per person. Policyholders file claims under auto accident protection for immediate coverage of ambulance rides or emergency care, Your Insurance Info reports.
Auto accident protection pays even if the policyholder caused the collision. State laws such as New York’s no-fault law require drivers to purchase auto accident protection called Personal Injury Protection (PIP).
Covered benefits include lost wages, rehabilitation, and funeral costs up to policy limits. Auto accident protection does not cover vehicle damage; it only applies to bodily injury and related expenses.
If passengers are in the insured car during an accident, their medical bills fall under the driver’s auto accident protection policy. Insurance companies cap payout amounts according to each contract’s stated maximums.
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See also Auto and health insurance.