will full coverage cover medical and lost wages?

Question

accident wasnt my fault and it was a hit and run.

Answer 1

Full coverage generally refers to comp and collision. The coverage you need is med pay coverage. If you have med pay you should be covered for a certain amount of the medical payments, depending on your policy limits. I'm not sure about lost wages, many companies handle reimbursement for that differently so I can't really give a solid answer on that one. Call your adjuster, they should be able to tell you if you are covered and how much.

Answer 2

Well what you're asking about doesn't add up really. If the other person is at fault, that's a claim you make against his liability coverage, and that does consider medical and lost wages, but your claim is settled at one time, at the end of your treatment and does not pay your bills for you. If you live in a state where you can carry first party coverage on your own car (like PIP or Med pay) you should submit the claim to them so you're not out of pocket on your bills while you're waiting to settle your claim.

Since you're saying it was a hit and run, if you can't claim with the other person's insurance you may be able to make an uninsured motorist bodily injury claim, which is handled the same as the claim you would have made against the other person, only with your carrier.

Answer 3

Let me tell you how many times a day i hear people say "BUT I HAD FULL COVERAGE!" People say they have this all the time and have no idea what it means or what they really have.

First off, you would need to define what "full coverage" is to you. Is that just want your agent told you?

Second- depending on your state- once you tell us the actual coverages you have.. we could tell you if you were covered for medical and lost wages.

But we need a heck of alot more information then just "full coverage"

Answer 4

Depends on the Insurance laws of your state, and then the coverage you pay for. Also to receive a definate answer, you must define full coverage.