If you have been hurt in an auto accident, you may be wondering about how the medical end of the auto insurance claim will work. This is actually a question that only your insurance agent can actually answer since every policy is different. Since your policy is created based on the needs you explained to the agent at the time you signed up for your policy.

If you were hurt in an accident that was the fault of another person, your medical coverage will usually be handled by the responsible person’s insurance policy. In the event that you were injured by another person who did not have liability insurance, or a person who did not have adequate liability insurance to cover all your medical bills, then your insurance agent may advise you to file a claim with your own insurance company for the medical damages.

If you were hurt in an accident that was your own fault, medical coverage can usually be covered by your own policy if you have comprehensive coverage. This is the type of coverage that handles medical bills incurred by you in the event that another person is not responsible.

When you need medical care it is important that you seek it out as soon as possible. Of course it is important to file your auto insurance claim quickly as well, but don’t delay any necessary medical care. Call your insurance agent and ask him about what type of medical coverage that you have in your car insurance policy.

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It’s not uncommon for motorists to be involved in accidents involving only their own vehicle. In Pennsylvania alone, there were approximately 759 single vehicle fatalities in 2012 according to the National Highway Traffic Safety Administration. However, most single-car accidents in Bethlehem, PA and the surrounding area are relatively minor, with no injuries and equally minor cosmetic or nonexistent damage to the car itself.

No matter how minor the accident, you should report it to your insurance agent as soon as possible. It’s also important to take written notes as well as pictures (if possible) of the accident scene, as memories can fade and having concrete evidence could be a big help during the claims process.

One reason to report car accident to insurance straight away is to take advantage of your collision insurance coverage and its ability to cover the costs of repairing or replacing your vehicle. However, if the estimated cost of damage is lower than the deductible, then you may be better off paying for the repairs out of your own pocket.

Another reason is that most auto insurance policies feature a clause requiring the insured to report any and all accidents, but such clauses are often hard to enforce. Local, county and state law enforcement officials may also require you to submit a collision report for accidents with either bodily injury or a set amount of property damage to any one person’s vehicle or other property. This information may be passed on to your insurer depending on the circumstances.

The longer you wait to report a car accident to your insurer, the less likely you’ll be compensated for any damages. As your independent agent, we can help you report collisions and other events involving your vehicle quickly and accurately. We can also help you realize big savings on the latest auto insurance plans available.

You got into a car accident and incurred injuries and medical bills. Now that you’re patched up, you’re wondering what aspects of your car insurance actually covered the bills. If you get into an accident with someone who holds insurance, their liability coverage takes care of your injuries and medical bills, although it doesn’t cover additional expenses while you’re out of work. Personal injury coverage, on the other hand, is an addition to your automobile insurance policy that you get specifically to cover medical bills, costs associated with personal injury, and lost wages. Personal injury coverage includes all of this under one policy rider, instead of requiring you to pay separately for personal injury and medical bill coverage. 17 states require automobile insurance to include personal injury coverage as part of the state minimum insurance.

Some advantages to adding personal injury coverage to your automobile insurance include protection against uninsured drivers, dealing with an inability to work due to an accident, and covering any gaps in medical bill payments from the other driver’s insurance. Other related items that this coverage pays for includes childcare costs, maintenance services, and medical travel expenses. Having the peace of mind that an accident isn’t going to turn your life upside down due to your missing work makes this coverage worth it.

It also doesn’t matter who was at fault for the accident. If you have personal injury protection, it covers you no matter what the accident situation was. Not all states offer personal injury protection specifically, but you can also find it under the name auto medical payments coverage.