什么是第一方医疗pp王者电子官网和PIPpp王者电子官网?
Learn how 第一方医疗pp王者电子官网 works, what it covers and if you need this coverage.
First party medical coverage is a coverage under your auto insurance that pays the reasonable and necessary medical expenses you and your passengers incur due to injuries sustained in an accident, 无论过错. 类型 第一方医疗pp王者电子官网 可用性因州而异. Some states offer Medical Payments Coverage (MPC) while other states have Personal Injury Protection (PIP) coverage. 少数州同时提供PIP和MPC. First party medical coverage may be legally required or optional depending on w在这里 you live. This coverage can overlap with other insurance you have, such as health insurance and disability insurance, so you will need to decide what coverage works for you.
What is typically covered by 第一方医疗pp王者电子官网?
This coverage pays your (or another covered driver's) reasonable and necessary medical expenses for treatment caused by a 车祸. Depending on whether the coverage in your state is PIP or MPC, 第一方医疗福利可能包括:
- 康复
- 收入损失
- 更换服务(e.g.(如父母有残疾，则须提供托儿服务)
- 丧葬费
The coverage varies by state and specific policy. 请与您的 状态 Farm®代理 regarding what is available in your state and what it covers.
How is 第一方医疗pp王者电子官网 different than bodily injury liability?
First party medical coverage helps cover medical costs due to an accident for you and any of your passengers in your insured 车辆. 而 人身伤害责任pp王者电子官网 helps pay for the medical costs of the third party — the other driver and/or their passengers — in the event you are found at fault in a 车祸 that results in injury.
How is 第一方医疗pp王者电子官网 different than pp王者电子官网不足和未pp王者电子官网的驾驶者覆盖范围?
First party medical coverage covers your medical expenses regardless of who is at fault. pp王者电子官网不足和未pp王者电子官网的驾驶者覆盖范围 is another type of auto insurance coverage that pays for damages if you or another covered person is injured in an auto crash caused by a driver who does not have liability insurance or is underinsured as defined by the policy.
Am I required to have first party medical insurance?
Some states require drivers to have some level of 第一方医疗pp王者电子官网, but in other states it is an optional coverage you can get on your car insurance policy. 请与您的 状态 Farm agent regarding what coverage is required and what optional coverage is available.
