Your liability coverage may include Personal Injury Protection ("PIP") or Medical Payments ("Med Pay") benefits. PIP provides a source of payment for YOUR medical bills and some of YOUR wage loss following an auto accident. Further, PIP is no-fault, meaning that it will begin paying on your injuries immediately, rather than waiting for liability to be determined. Similarly, Med Pay provides some coverage for YOUR medical bills. These are called "no-fault" coverages because they pay even if the accident is your fault.
Read MoreAlcohol and drugs can significantly impair a person's ability to drive, leading to dangerous consequences. Impairment from drugs and alcohol can cause slower reaction times, difficulty staying in the correct lane, and an inability to focus on the task of driving.
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