Will car insurance pay my medical bills if I wearing seat belts?

Yes, your car insurance will typically pay for your medical bills even if you were wearing a seatbelt at the time of the accident. The fact that you were wearing a seatbelt is generally irrelevant to whether your medical bills are covered under your policy's Personal Injury Protection (PIP) or Uninsured/Underinsured Motorist (UM/UIM) coverage. These coverages are designed to pay for your medical expenses regardless of fault.

However, wearing a seatbelt can influence things in a few ways indirectly:

* Severity of injuries: Wearing a seatbelt significantly reduces the severity of injuries in most accidents. This could mean lower medical bills overall.

* Comparative negligence: In some states, comparative negligence laws might come into play. If you were partially at fault for the accident (even if it's a small amount), your compensation might be reduced. However, not wearing a seatbelt is not a guaranteed determination of negligence. Your own insurance company is unlikely to hold that against you to avoid PIP payouts.

In short, focus on getting the medical attention you need and letting your insurance company handle the paperwork. Whether or not you were wearing a seatbelt generally won't affect your eligibility for medical bill coverage under your own policy's PIP or UM/UIM coverage.