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For states that have no-fault laws, this is an insurance that would suffice. This no-fault insurance policy covers a lot more than standard medical payments insurance, as it covers replacement services (such as childcare for a hospitalized parent). No-fault refers to the fact that this insurance policy no matter who is fault in an accident.

There are suing limits to this personal injury protection insurance policy, and states usually can put a cap on it. You may need to purchase additional insurance to cover additional medical costs. Check with your state's insurance department to find out what the coverage limit is. You may not need to purchase any additional medical protection, depending on the coverage limits.

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