Accident Insurance

Reader’s Question:

Do car insurance policies in Utah include accident health insurance?

Angel

Salt Lake City UT

I don’t think auto insurance policies have accident health insurance. To give you better idea, there are three major types of coverage that your average car insurance carry. First there is liability coverage. Liability coverage will pay for any property damage or bodily injury done to the other party in the event of an accident. Liability coverage will apply if you were the one who caused the accident.

Next is collision coverage. If liability coverage pays for damage done to the other party, collision coverage will pay for damages done to your car as a result of an accident. One advantage that collision coverage has over liability is that there is no need to determine who was at fault. If your car suffered damages, then you will be paid. This will also pay you the market value of your car if it is judged to irreparable. Finally there is comprehensive. This type of coverage protects your car against damages not due to a collision. This can be vandalism or natural events like floods.

Notice anything about the three types? None of them will actually pay or cover you for injuries that you sustained. The nearest that I can see that is similar to an accident health insurance is liability coverage. But this is effective only for the other party and not to you.

This means that you need to get separate insurance for possible injuries that you may incur. This is why you need to have medical or health insurance. To give you an idea lets assume you are involved in accident. Guess what questions will be asked? The first police officer on the scene will ask you what happened or what events lead to the accident. After that he will then ask if you have automobile insurance and if you carry medical insurance. Let’s repeat that, auto and medical insurance.

To sum it all up, car insurance policies in Utah don’t have accident health insurance included.