Reader’s Question:
I have health insurance as well as car insurance for my vehicle here in Illinois. In case I get into an accident, how would I know which policy will give the best protection?
Lachlan
Cicero, IL
A lot of people purchase health insurance as well as auto insurance if you own an automobile. In case you get into an accident in Illinois, you have to know which of those policies will give you the kind of coverage you need. First of all, you have to be aware if you have “Underinsured Motorist Bodily Injury” in your auto insurance policy and make sure you are familiar with what it does. This coverage would set a limit on the utmost cost of payment for every person, every injury and every accident. In case that the limit is not enough, your health insurance would surely give coverage for the outstanding costs.
In case you have “Personal Injury Protection” (PIP), this will cover for medical, hospital and funeral costs in any automobile collisions. In general, anyone who is involved in the accident will be covered, including other parties. This type of coverage is particularly intended for those drivers who don’t have health insurance. So if you have this coverage, you won’t need you health insurance in case of any accident. But since you also bought health insurance, you could get rid of the PIP coverage. Another reason to drop that coverage is that PIP is not required in the state of Illinois.