Your Best Protection Starts Before an Accident
A practical pre-accident checklist for reviewing insurance, preparing your vehicle, and protecting your family before the unexpected happens.
View detailsFAQ
Short Answer
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.
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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