No-Fault Medical Coverage

What Does No-Fault Medical Coverage Mean?

No-fault medical coverage is a type of policy that covers losses regardless of who is at fault. This insurance is commonly purchased alongside standard auto insurance to cover medical expenses resulting from car accidents. It pays for medical bills like ambulance transport and hospital care after a crash, no matter who caused it, and that post-accident moment is where it gets used most, so it helps to know what to do after a car accident before you ever need to file a claim.

Insuranceopedia Explains No-Fault Medical Coverage

The primary and most obvious benefit of no-fault medical coverage is that it provides protection regardless of who is at fault for the insured event. Not all auto-related insurance policies offer this feature; some, for example, may only cover medical expenses related to a collision if the insured is not deemed responsible. Because of this, no-fault medical coverage often fills a gap that basic liability-only car insurance leaves open, since liability pays for the other driver’s injuries but not your own. By eliminating this concern, no-fault coverage offers the insured much greater peace of mind.