If a car accident was my fault, are my injury expenses still covered?

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Question:

I wasn’t paying attention when I was driving the other day- I was texting when I should have been driving. I ran a red light and hit another car and now I have broken my arm in two places and sustained whiplash. I don’t have any medical insurance. If a car accident was my fault, are my injury expenses still covered?

Answer:

The answer to this question depends heavily on where you live. Within the United States, certain states are considered to be “no fault states.” If you live in a no fault state, then you likely were required by law to purchase something called “personal injury protection” or PIP. If you have PIP, then regardless of the fault in an accident, your insurance company will pay for your damages. However, if you do not live in a no fault state, then your insurance company will pay for medical damages in an accident you caused only if you voluntarily purchased coverage such as PIP or medical protection insurance. You can contact your insurance carrier to determine what type of coverage you have and whether your injuries will be covered. You may also wish to contact an experienced car accident attorney who can help you fully understand your rights in your situation.

Talk to a Car Accident Attorney to get legal advice regarding your options for compensation.

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