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I smashed my hand in my car door. Can I make a bodily injury claim on my car insurance?

Last updated: Nov. 3, 2011

By , Insure.com

smashed hand in car doorThe answer most likely is "yes," says Snyder. Personal injury protection (PIP) and medical payments (MedPay) coverage pay the medical bills for you and your passengers following a mishap, no matter who is at fault.

In no-fault states such as Pennsylvania and New York, MedPay and PIP are the primary sources of health insurance coverage when you're injured in an auto accident. If you live in a state without no-fault insurance and have MedPay or PIP on your auto policy, you should use it first to pay accident-related medical expenses. Your health insurance company may deny coverage until you exhaust MedPay or PIP benefits.

Think twice before simply using your health insurance to avoid the hassle of  a car insurance claim. “A lot of clinics will ask, 'Did this happen in your car?' says Ward."They will forward [the bill] to your auto insurance.”

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