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Car Insurance – “what is it?” “Why do I need it?” & “Why is it so expensive?”
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One of the most underutilized, and we think under appreciated coverages, is Medical Payment and Personal Injury Protection. Both function similarly to how they sound, and the primary objective is to provide reimbursement from injuries or medial bills you sustain; resulting from the use of your covered auto. These are often referred to as your “no-fault” coverages; because they can be applied regardless of who was “at fault” for the injuries; unlike the liability insurance we discussed above. There’s also many differences between the two and we recommend careful review and discussion of options, on both, to see which fits your individual needs.