If you get injured in an accident that is your fault and have only minimum insurance what expenses are covered by your insurance?

Answer 1

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

Answer

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.