Pennsylvania is a “no-fault” state. This means that regardless of who is at fault in an accident, you are responsible for your medical expenses. The minimum amount of coverage that you are required to carry under your car insurance is ONLY $5,000. So, if you have only $5,000 of coverage, how do the bills get paid if you have more bills? Simple. Your health insurance pays. If you are involved in a serious accident, you could find yourself exhausting your health insurance if the accident is very serious.
Now, what happens if you have Medicare? This could get even worse. There are many internal limits for things such as rehabilitation. If you are seriously injured in an accident, will medicare provide enough coverage for you to have an extended stay in a rehab center?
What is the solution? You can purchase up to $1.1 million of medical coverage under the car insurance policy. The additional annual cost is minimal. An additional benefit would be the comfort of knowing that injuries from a car accident will be paid by the car insurance and your health coverage remains intact in the event you get sick.