Reader’s Question:
I am a resident of North Dakota. I had an accident in Fargo, ND and they said it was my fault. I would like to know if my medical bills only covered to $30,000 with my injuries?
Seth
Fargo, ND
You only would have $30,000 of coverage under your Personal Injury Protection (PIP) coverage. The Bodily Injury Liability coverage is for other people you may have injured, not including yourself. If you have health insurance, I would suggest that you contact them for additional coverage.
Had you injured anyone in the other car and you were at fault in an accident in Fargo, ND then the individual that you hurt would have to pay their Personal Injury Protection (PIP) first. That should pays first regardless who was at fault in an accident. After their Personal Injury Protection is exhausted then they would get payment from you your Bodily Injury. In your situation you would have additional medical coverage for them up to $100,000 per person up to $300,000 per accident. Had the other motorist been at fault in an accident and not have $100,000/$300,000 coverage then your uninsured motorist coverage would pay over and above your Personal Injury Protection (PIP).