First-party benefits on a personal auto insurance policy can protect you and the passengers in your car for medical payments, loss of wages, funeral costs and death benefits. These protections may also follow you if you are in someone else’s vehicle.
This coverage can be important if you are injured in a no-fault accident in someone else’s vehicle and you don’t have adequate health insurance. In many states, the medical facility where you seek treatment after an auto accident will contact your auto insurance carrier, and the first-party benefits under your auto policy will be the initial source of payment for your accident-related injuries.
With the differences in laws between bordering states regarding first-party benefits, you should check the details of your car insurance policy to make sure you have protection outside your own state. This can be an important coverage if you will be a passenger in someone else’s vehicle or in a rental that someone else is driving.
