Best Answer

It's best to discuss your coverage with you Insurance agent. Your agent can review your policy with you for available coverage and can help you choose additional coverage options to meet your exposures.

Minimum liability Auto Insurance, Generally only pays for the damage and injuries you cause to others in a covered accident for which you are liable if you declined PIP and did not pick up any medical coverage.

Not all states require that you pick up medical coverage on an auto liability policy while many U.S. jurisdictions do mandate it be added to your policy along with the appropriate premium charge.

Happy Motoring


It depends upon state requirements and the genre of insurance to which you refer. For purposes of this discussion, I will presume that you are referring to auto insurance, as that is the type with which most people are probably most familiar.

Most all states require coverage that pays a percentage of medical expenses and lost wages if one is injured in a collision. Sometimes called "personal injury protection", benefits are paid to the insured irrespective of fault. That is, the insurance is "first party" meaning that one maintains it on oneself and it often extends to all members of the household.

Sometimes, this insurance is subject to a deductible, meaning that payment of benefits is not triggered until the expenses otherwise covered (medical expenses and lost wages) exceed a stated amount.

User Avatar

Wiki User

13y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: If you get injured in an accident that is your fault and have only minimum insurance what expenses are covered by your insurance?
Write your answer...
Still have questions?
magnify glass
Related questions

If you have an accident are people injured in your car covered if you only have third party insurance?

I dont know about other countries but in South Africa we have the Road Accident Fund which compensates passengers injured in an accident. You should closely read the terms and conditions provided by your insurer.

What is No-fault Insurance, and can I get it for my entire family with Allstate?

no-fault insurance Provides coverage if you, a family member, or your passengers are injured or killed in a covered accident involving a driver who doesn't have insurance at all or who doesn't have enough insurance to cover the damage they cause you.

Will homeowner's insurance cover a vehicle accident for the passenger injured?

NO, that's what the vehicle insurance is for.

Pet liability insurance?

Progressive Auto Insurance will cover your pet if it is injured in an accident with you.

Will your health insurance cover medical expenses if you are injured in a car accident?

As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See for additional information.

If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?

== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.

When an individual has an automobile accident and someone is injured are they required to complete an accident injury claim with their insurance company?

When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.

What if you are already injured and have a car accident is the insurance still liable?

Depends on your condition

In California Can a provider bill the health care insurer if a person is injured in an auto accident?

Yes. If the person has private insurance and is covered the bills go to the health care company to be paid.

What coverage protects the person who was at fault in an accident against losses when someone is injured?

Liability insurance.

If you are injured at work doing something that is not work-related will your medical expenses be covered?

If it is not work related your insurance may cover it but it will be like a regular injury. Example: You get hurt at home and you have to go to the doctor. It would be treated the same!

What if someone is driving your car and they get into an accident and get hurt and they do not have car insurance is the owners insurance responsible for medical for the injured driver and damages?

You guessed it!