A state may offer either medical payments protection or personal injury protection. Some states offer both.
Story continues Personal injury protection also goes by the name no-fault insurance. It pays regardless of who is at fault. However, it is limited; it doesn't cover pain and suffering, distress, and some other unfortunate results of an accident. In the event that your medical bills are higher than the covered amount, you will not be reimbursed. But in some states, you may file a liability claim against the other driver (if they were at fault) to attempt to get compensation for your medical bills.
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