FAQ

Does my liability coverage pay for my own injuries?

Short Answer

Quick guidance

No. Liability pays people you injure. Your own injuries are covered by the at-fault driver's liability coverage — or by your own med-pay and uninsured motorist coverage when theirs falls short.

Full Answer

No — liability coverage pays for injuries and damage you cause to others. Your own injuries are covered by different sources: the at-fault driver's liability coverage, your own medical payments (med-pay) coverage, your uninsured/underinsured motorist coverage, and your health insurance.

This is the gap that surprises people: if the driver who hit you carries minimum limits and you don't have UM/UIM or med-pay, your options narrow fast. It is also why reviewing your own policy is part of protecting yourself.

Last reviewed: 2026-06-12

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