When someone is injured in a car accident, several types of insurance may cover their medical expenses and damages. Health insurance is usually the first source of payment for medical treatment. In addition, medical payments coverage through the injured person’s auto policy or the vehicle’s policy can help cover costs regardless of fault. If the other driver is responsible and has insurance, their liability coverage may pay for medical bills, lost income, and other losses. When the at-fault driver has no insurance, uninsured motorist (UM) coverage can step in, while underinsured motorist (UIM) coverage may apply if their policy limits are too low. Understanding how these different coverages work together is crucial for ensuring the injured party receives full compensation after a motor vehicle accident.
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