South Carolina Personal Lines Practice Exam

Under which type of insurance policy would medical expenses for a car accident be covered?

1. Property insurance

2. Liability insurance

3. Health insurance

4. Auto insurance

The correct answer is: Auto insurance

Medical expenses resulting from a car accident are covered under auto insurance policies, which include specific provisions for medical payments or personal injury protection, depending on the state. This type of insurance is designed to provide coverage for injuries sustained in an auto accident, regardless of who is at fault. Auto insurance not only provides liability coverage for damages to others but also extends to the insured's medical expenses, helping to cover hospital bills, rehabilitation costs, and other related expenses that may arise following a car accident. This ensures that individuals have financial support for their medical needs without having to rely solely on other forms of insurance like health insurance or liability coverage. While liability insurance covers damages to other parties, and health insurance typically does not specifically address auto-related injuries unless specifically included, auto insurance is specifically tailored to address the unique risks and expenses associated with vehicle accidents.