PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Is it necessary to have PIP, medical payments, and uninsured motorist coverage on my policy for my Hyundai Palisade?
I have all three on my current auto policy. I don't really know what they cover and if it's necessary that I have all of them. I don't have health insurance, if that matters.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since you don’t have health insurance, personal injury protection (PIP) is an important coverage to have. PIP will cover your medical expenses if you’re injured in an auto accident, regardless of fault. PIP will cover your passengers’ injuries as well.
Having a high coverage limit for PIP will ensure you won’t have to pay out of pocket for medical expenses.
Medical payment coverage
is considered secondary coverage to PIP. Medical payments coverage often covers expenses that PIP does not. PIP is also mandatory in some states, while medical payments coverage is not.Uninsured motorist coverage
protects you if the other driver in an accident doesn’t have insurance. Your insurance will cover any injuries you may have, but it only applies if the other driver is at fault. If you can comfortably afford to have all three types of coverage on your policy, then you should keep them. When it comes to car insurance, you can never really be over-insured.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
