The recommended coverage is one which is affordable and protects an insured's investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured's legal
liability as a result of automobile accidents.
As the dissent points out, the statute was susceptible to a much more sensible reading, one that preserved the overall statutory scheme of coordinating benefits, but also providing coverage for all reasonable expenses, including expenses outside of the medical plan,
incurred as a result of an automobile accident.
According to the National Institute of Neurological Disorders and Stroke, half of all traumatic brain injury victims receive their injuries
as a result of an automobile accident.
Expenses you incur
as a result of an automobile accident may be reimbursed under your policy.