This feature of auto insurance can overlap with standard health insurance, but there are instances where having two separate policies could be useful.

What is Personal Injury Cover?

This particular kind of insurance pays the medical bills (and, in some instances, loss of income) for you and your passengers after you're injured in a car accident. Some policies extend to instances where you are a passenger in another person’s vehicle, or if you’re injured by a motor vehicle while walking or cycling.

Note that personal injury cover differs from bodily injury liability insurance. Liability insurance will pay out medical expenses to injured drivers or passengers in an accident where you are at fault, while personal injury cover will only cover your own medical expenses (and sometimes those of your passengers, depending on the particular policy you have).

What Exactly Does it Cover?

Personal Injury cover can vary a lot from one insurance company’s policy to another. Most will cover the cost of all medical procedures necessitated by a car accident, as well as medical rehabilitation that may be necessary long after the accident. This cover applies to the driver, but many insurance providers give the option to cover passengers, too. Some will allow you to specify how many passengers you would like to cover, up to a certain limit.

The exact types of expenses covered vary, but can include:

• Operations
• Hospitalization
• Ongoing professional care
• Lost wages, if you're unable to work
• Some home care expenses, such as childcare or house cleaning, if you're unable to do these

Do I Need it if I Already Have Health Insurance?

This kind of insurance may or may not include some of the same coverage policies in your health insurance. Not all health insurance policies cover car accident injuries, and PI coverage may include additional expenses not covered by your health insurance. It is worthwhile comparing your health insurance policy to the details of a personal injury cover policy before deciding if the latter is crucial. This type of cover can be an extremely beneficial addition to your car insurance policy, especially if it covers deficiencies in your health insurance.

If you’re considering getting personal injury cover added to your car insurance policy, there’s no better place to compare policies than CompareInsurance. Browse options online and make the perfect choice for you.