Does Aflac Sell Auto Insurance?

Aflac is a supplemental insurance company that provides a specialized type of coverage for individuals and their families. Instead of offering insurance of a standard type, Aflac sells medical and disability coverage that pays for lost income and costs associated with health insurance. Aflac is not a true insurance policy, such as health, life, or liability coverage, and is generally offered through group insurance plans as a secondary, optional coverage plan.

Aflac does not provide auto insurance of any type, and does not offer supplemental coverage for auto insurance needs. What the company sells is coverage that pays for the costs associated with extended illnesses or disabilities. With an Aflac policy, you can receive income while out of work, and that income can be used for things such as paying your regular bills or providing for your family. You can think of Aflac coverage as offering minimal income while you are recovering.

Aflac coverage is typically sold in conjunction with health insurance. Even then, it is not exactly health insurance coverage, and is purchased separately from your regular health insurance coverage. You may not be able to get Aflac coverage unless you have a standard health insurance policy, but it is sold as a rider policy instead of being part of the normal medical coverage.

In auto insurance, the equivalent type of insurance rider is sold as medical costs insurance. This type of insurance will pay for your extended care and provide you with a minimal amount of income during the recuperation process. This rider is an inexpensive rider that fills a necessary gap in traditional auto insurance, and may not be available from all insurance carriers.

Auto insurance and health insurance are two vastly different types of insurance. For your car, the type of insurance is known as property and casualty insurance, and commonly referred to generically as liability insurance. Unless you have PIP insurance or a specific insurance rider, your car insurance does not cover your own injuries at all, leaving it to your health insurance provider to pay for your treatment. Aflac is a supplemental health insurance provider, and that will require special explanation.

Auto insurance pays the medical costs of other people because you are liable, as the at fault driver, to pay for your damages. If you live in a state which uses Personal Injury Protection coverage, each driver's insurance will cover their own car, and the insurance companies will then negotiate settlements between them. In all other states, the at fault driver is responsible for all injuries, and must provide separate health coverage for himself and his immediate family members in the car.

Health insurance, including Aflac coverage, cannot be used to pay for injuries to someone not listed on the policy. It will cover your own injuries, regardless of how they are caused, but it is useless in a situation where liability is concerned. Aflac, like other health insurance companies, does not provide any type of liability coverage for you, and limits coverage to people who are expressly listed in the policy.

Where Aflac is different than a health insurance company is that Aflac pays what is commonly referred to as medical payments. If you are unable to work for a period of time because of your injuries, Aflac will pay directly to you, and you can use the money for paying any bills you need to pay, including buying groceries or transportation costs. In this way, you can still make use of Aflac coverage after a car accident. If you are unable to work, you can use the medical payments from Aflac to keep your family going until you get back on your feet. Aflac is not car insurance, but it can be used along with auto coverage.