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Ask the Car Insurance Expert

I'm driving my own car and I am involved in a one-vehicle accident in which my arm is broken. What part of my car insurance will cover this charge?

You will need to have medical payments (MedPay) or personal injury protection (PIP) to make a medical claim though your car insurance policy for your broken arm and other injuries you suffered in this single-car accident.

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If you have only bodily injury liability, it cannot be used in this situation since state-required liability coverages only cover those who you harm with your vehicle, not yourself or your vehicle.

If you don’t have MedPay or PIP as part of your car insurance policy, but have health insurance, it likely would cover your injuries.  You would, however, need to check the terms of your health plan since some do exclude injuries resulting from an auto accident.

Learn more about MedPay and PIP by reviewing our auto insurance basics section.

Last updated: May. 8, 2014
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