Are Medical Expenses Covered by Auto Insurance in Pittsburgh, PA?

If you're a driver in Pittsburgh, Pennsylvania, you might wonder whether your auto insurance policy covers medical expenses resulting from a car accident. The answer is yes—Pennsylvania auto insurance policies typically include medical coverage through a provision called Personal Injury Protection (PIP).

What Is PIP and How Does It Work?

Personal Injury Protection (PIP) is a mandatory component of auto insurance in Pittsburgh, Pennsylvania, which operates under a no-fault insurance system. This means that regardless of who caused the accident, your PIP coverage helps pay for medical expenses related to injuries you or your passengers sustain in a crash.

PIP coverage typically includes reimbursement for:

• Hospital bills

• Doctor visits

• Surgery costs

• Rehabilitation services

• Prescription medications

• Lost wages

• Funeral expenses (if applicable)

How Much Is Covered?

PIP coverage does come with limits, which can vary depending on the policy. While Pennsylvania sets a minimum required amount of PIP, drivers can choose to increase their coverage limits for greater financial protection—though this usually results in a higher premium.

Can You Add More Medical Coverage?

Yes. If you’re concerned about covering high medical costs, you can purchase additional medical payments coverage (also known as "MedPay") or increase your PIP limits. This can provide extra protection in case your medical expenses exceed the basic policy limits.

What Happens If Medical Costs Exceed Your PIP Coverage?

If your PIP coverage is maxed out and your injuries are severe, you may:

• Use your health insurance to cover the remaining medical costs

• File a claim against the at-fault driver’s liability insurance (if applicable)

However, having adequate PIP coverage is key to ensuring that your medical expenses are paid promptly—without the need to pursue lengthy claims or pay large out-of-pocket costs.

Final Thoughts

While Pennsylvania law requires a minimum level of PIP coverage, it’s wise for drivers in Pittsburgh to review their policy limits and consider whether additional coverage is needed. Having the right protection in place can offer peace of mind and financial security if an accident occurs.