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QuestionInsurance Question  I am a resident of North Dakota. I had an accident in ND, they say it was my fault. I have had 3 surgeries and more to come. I had $30,000 of Personal Injury Protection, Bodily Injury coverage or $100,000 per person/$300,000 per occurrence. Are my medical bills only covered to $30,000?

AnswerAuto Insurance Answer

You would only have $30,000 of coverage under your Personal Injury Protection coverage. Bodily Injury Liability coverage is for other people you may have injured, not yourself. If you have health insurance, I would contact them for additional coverage.

Had you injured anyone in the other vehicle and you were at fault then the person that you hurt would have to pay their Personal Injury Protection first. That pays first regardless who was at fault. After their Personal Injury Protection is exhausted then they would seek payment from you your Bodily Injury. In your case you would have additional medical coverage for them up to $100,000 per person and $300,000 per accident. Had the other driver been at fault and not have $100,000/$300,000 coverage then your uninsured motorist coverage would pay over and above your Personal Injury Protection.

Go here for a list of coverage definitions.

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