Reader question:

I have DMVsr22 insurance. Do I need coverage for my own injuries if I cause an accident?

Amber

Glad you asked, Amber.

There is a type of coverage, called personal injury protection, which takes care of your injuries if you are the negligent party in a car accident. In some states, usually no fault insurance states, personal injury protection is require by law, along with liability coverage. For the rest, though, it is still an option available.

However, you should consider what other options you have before adding personal injury protection to your DMVsr22 policy. Do you have health insurance? Then you might be able to avoid buying auto insurance coverage fo rinjuries and just cover any injuries you get from a car accident caused by you by using your health insurance coverage.

Of course, this has drawbacks. Your health insurance coverage only covers your medical, but if you add personal injury protection to your DMVsr22 policy, you can get wages for the days you miss work as well.

Cheers,

Fashun Guadarrama.