In a not-at-fault accident scenario, what type of coverage does Frank have?

In a not-at-fault accident scenario, if Frank has basic Personal Injury Protection (PIP) and Medical Payments Coverage (Med Pay) of $5,000, this means that he has coverage to help pay for medical expenses related to injuries sustained in an accident, regardless of who is at fault.

PIP typically covers a broad range of expenses that may result from a car accident, including medical bills, lost wages, and other related costs. The inclusion of Med Pay at a limit of $5,000 complements the PIP coverage by specifically covering medical expenses incurred due to the accident, enhancing the total amount available for Frank's healthcare needs. This combination is particularly beneficial in a not-at-fault situation, as it ensures he has the financial support needed for medical care without the worry of immediate out-of-pocket expenses.

In contrast, scenarios such as having basic PIP and no Med Pay would limit his medical coverage just to what PIP provides, potentially leaving gaps. Having a high deductible on PIP could also lead to significant expenses before any benefits would kick in, while full coverage generally refers to a comprehensive insurance package but may not specifically address the medical benefits in the way that PIP and Med Pay do in a not-at-fault