Is it necessary for me to purchase medical insurance coverage from my auto insurer

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 17, 2012

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Insurance Question from Piscataway, NJ

Asked on 11/17/2012

Is it necessary for me to purchase medical insurance coverage from my auto insurer Is it necessary for me to purchase medical insurance coverage from my auto insurer if I already have medical insurance. My primary insurance is Medicare and my supplemental insurance is Blue Cross/Blue Shield of NJ. Will my primary and supplemental insurers cover injury due to an auto accident. Please advise. My policy is up for renewal. Thank you

Answer given on December 06, 2012

You are never required to buy medical insurance on your auto insurance policy. By law, the only insurance you must purchase is liability insurance. All other portions of the policy are by choice, as your needs and finances dictate.The advantage to medical insurance under the auto policy is that it also covers those in your car with you. If they do not have medical insurance, or not enough insurance, or a high deductible, they can experience a financial loss. If the accident is not your fault you have no obligation to them, but for the cost you may be able to assist them. You might check into the cost of the coverage. In addition, it will cover you if you are a pedestrian and struck by a vehicle. It ca help you cover your deductible or co-pay under your medical coverage.If you cause the accident, then your liability coverage, under the bodily injury portion, will pay for their injuries, up to the limits of the policy. Medical coverage would be in addition to your liability coverage.

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