Reader’s Question:

Hi there! The ladies in my workout gym in Independence Missouri MO always tell me to take out PIP and MedPay on top of the required liability coverage in my auto insurance policy. Do I really need to?

Jasmine

Independence, MO

Hi, Jasmine. Your workout buddies must have seen MedPay and PIP coverages at work in their family and social circles in Independence Missouri MO. Do you really need to? Well, it depends on you. I’ll fill you in on these components of an auto insurance policy so that you can judge for yourself.

MedPay, or medical payments, coverage shoulders the payment for expenses on medical services to you and your passengers following a road accident while you’re driving your car or while driving your gym buddy’s car at her bidding. MedPay also pays for an accident to you and members of your family while using the road as pedestrians in Independence Missouri MO. One good feature of MedPay is that regardless of who caused the accident, it will pay for the medical bills.

PIP, or personal injury protection coverage assumes the burden of paying for medical expenses and lost wages you and your passengers incur due to accident-related injuries. It can cover funeral costs. You don’t need it if you already have a good health and/or disability insurance plan in Independence Missouri MO. PIP is required in 16 states, but MO is not one of them.

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