How Much Medical Coverage Should I Take on My Auto Insurance Policy?

Today’s question comes to us from Rich from Old Forge. Rich asks how much medical coverage should he have on his own auto policy? In Pennsylvania, your own auto policy pays for your medical bills regardless of fault. It’s called PIP benefits, or Personal Injury Protection, and it replaces the old no-fault system.

You have to have at least $5,000 worth of coverage, but you can purchase coverage in excess of $100,000. Once your PIP medical coverage is exhausted, then your secondary carrier kicks in – your own private health insurance, for example. So, if you have a good private health insurance policy, you can afford to have less PIP benefits. If you do not have a good private health insurance, then it’s imperative that you have very strong PIP medical coverage for your own protection.

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Since 1906, our PA injury lawyers have successfully represented thousands of clients in serious personal injury cases, including PA car accidents, truck accidents, motorcycle accidents, PA medical malpractice, PA worker’s comp, slip and fall, product-related injuries and Social Security disability claims. Our PA criminal defense attorneys represent defendants in all types of summary, misdemeanor and felony cases ranging from DUI cases to major crimes in both state and federal courts.

Powell Law is Northeastern Pennsylvania’s oldest PA personal injury law firm. It was established by our grandfather, Attorney James J. Powell Sr., on the principles of honor, integrity and trust. For three generations, we have upheld those principles every day – in every case.

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