<p data-start="145" data-end="454">If you're a driver in Pittsburgh, Pennsylvania, you might wonder whether yourauto insurance policy covers medical expenses resulting from a car accident. The answer is yes&mdash;<strong data-start="318" data-end="454">Pennsylvania auto insurance policies typically include medical coverage through a provision called Personal Injury Protection (PIP).

<h4 data-start="456" data-end="494">What Is PIP and How Does It Work?</h4>
<p data-start="496" data-end="817"><strong data-start="496" data-end="532">Personal Injury Protection (PIP) is a mandatory component of auto insurance in Pennsylvania, which operates under a <strong data-start="616" data-end="645">no-fault insurance system. This means that <strong data-start="663" data-end="704">regardless of who caused the accident, your PIP coverage helps pay for medical expenses related to injuries you or your passengers sustain in a crash.

<p data-start="819" data-end="869">PIP coverage typically includes reimbursement for:



<ul data-start="871" data-end="1032">
<li data-start="871" data-end="889">
<p data-start="873" data-end="889">Hospital bills

</li>
<li data-start="890" data-end="907">
<p data-start="892" data-end="907">Doctor visits

</li>
<li data-start="908" data-end="925">
<p data-start="910" data-end="925">Surgery costs

</li>
<li data-start="926" data-end="953">
<p data-start="928" data-end="953">Rehabilitation services

</li>
<li data-start="954" data-end="982">
<p data-start="956" data-end="982">Prescription medications

</li>
<li data-start="983" data-end="997">
<p data-start="985" data-end="997">Lost wages

</li>
<li data-start="998" data-end="1032">
<p data-start="1000" data-end="1032">Funeral expenses (if applicable)

</li>
</ul>
<h4 data-start="1034" data-end="1059">How Much Is Covered?</h4>
<p data-start="1061" data-end="1337">PIP coverage does come with <strong data-start="1089" data-end="1099">limits, which can vary depending on the policy. While Pennsylvania sets a <strong data-start="1167" data-end="1201">minimum required amount of PIP, drivers can choose to increase their coverage limits for greater financial protection&mdash;though this usually results in a higher premium.

<h4 data-start="1339" data-end="1378">Can You Add More Medical Coverage?</h4>
<p data-start="1380" data-end="1647">Yes. If you&rsquo;re concerned about covering high medical costs, you can purchase <strong data-start="1457" data-end="1497">additional medical payments coverage (also known as "MedPay") or increase your PIP limits. This can provide extra protection in case your medical expenses exceed the basic policy limits.

<h4 data-start="1649" data-end="1709">What Happens If Medical Costs Exceed Your PIP Coverage?</h4>
<p data-start="1711" data-end="1783">If your PIP coverage is maxed out and your injuries are severe, you may:

<ul data-start="1785" data-end="1942">
<li data-start="1785" data-end="1855">
<p data-start="1787" data-end="1855"><strong data-start="1787" data-end="1816">Use your health insurance to cover the remaining medical costs

</li>
<li data-start="1856" data-end="1942">
<p data-start="1858" data-end="1942"><strong data-start="1858" data-end="1924">File a claim against the at-fault driver&rsquo;s liability insurance (if applicable)

</li>
</ul>
<p data-start="1944" data-end="2125">However, having <strong data-start="1960" data-end="1985">adequate PIP coverage is key to ensuring that your medical expenses are paid promptly&mdash;without the need to pursue lengthy claims or pay large out-of-pocket costs.

<p data-start="2152" data-end="2441">While Pennsylvania law requires a minimum level of PIP coverage, it&rsquo;s wise for drivers in Pittsburgh to review their policy limits and consider whether additional coverage is needed. Having the right car insurance in place can offer peace of mind and financial security if an accident occurs.