First Party Benefits

First Party Benefits are designed to protect and provide for the health of the most important people in your life – yourself and your family.

The First Party is the policyholder or primary driver in a vehicle. First Party Benefits cover the medical expenses for the insurance policy holder, drivers and any relatives living in the policyholder's household, if they are injured in an accident. In some cases, this category of coverage is also called Personal Injury Protection (PIP).

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What is covered with first party benefits?

Some policies may include a deductible that must be covered before the insurance will cover any costs.

Naturally, emergency ambulance and nursing services are covered by First Party Benefits, as well as surgical and inpatient treatment. Coverage also extends to other types of treatment, including psychological services after a traumatic event, optometric attention and physical therapy or other rehabilitation to make sure that you can quickly regain your health and coordination.

First Party Benefits may be especially useful for people living in states with a No Fault law, meaning that each policyholder is responsible for costs related to his own passengers and vehicle. Even if the other driver is at fault, First Party Benefit protection will cover your passengers and your own medical expenses.

Extending your policy for First Party Benefits

Pennsylvania is the only state that requires insurance buyers to include First Party Benefits in their policies. The actual rates and coverage vary from state to state and depend on your specific policy. Some are limited to pay only up to $5,000, but you can also purchase a higher amount of coverage.

First Party Benefits can often be combined with other types of coverage, such as Accidental Death, Extraordinary Medical, Funeral, and Income Loss policies. These will help to cover a severe accident situation where someone is extremely injured, disabled, or dies.

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Sources
http://www.esurance.com/welcome/home/faq/coveragedefinitions/9.aspx
http://www.carinsurance.com/CoverageDefinitions.aspx
http://www.carinsurance.com/InsuranceTerms.aspx
http://macdonaldfitzgeraldandmacdonald.com/michigan-motor-vehicle-accidents.jsp

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: November 10, 2009