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No, you don't have to buy any separate accident insurance. It will cover sickness, injuries and accidents. However, please keep in mind that all visitors insurance plans are considered secondary to any other plan that may be applicable in certain situations. Lets understand by several scenarios: Scenario 1: You are driving the car and your parents are in the car. Someone else hits you and it is the other party's fault. If any of your parents get hurt, you have to first file a claim with the other party's liability insurance as part of his/her car insurance. If the other party does not have any liability insurance or not enough insurance, visitors insurance would pay the remainder of the amount according to the benefits in the policy. Scenario 2: You are driving the car and your parents are in the car. You get into an accident and it is your fault. If any of your parents get hurt, you have to first file a claim with your own car insurance. Most people have no medical insurance as part of car insurance or have very small amount like $2,000 or $3,000. In that case, visitors insurance would pay the remainder of the amount according to the benefits in the policy. Scenario 3: You are driving the car and your parents are in the car. You get into an accident and it is no body's fault. If any of your parents get hurt, you have to first file a claim with your own car insurance. Most people have no medical insurance as part of car insurance or have very small amount like $2,000 or $3,000. In that case, visitors insurance would pay the remainder of the amount according to the benefits in the policy. In short, you don't need to buy any other medical insurance. Just buying visitors insurance such as Patriot America is good for sicknesses, injuries and accidents. I hope that clarifies your questions. If you have any other questions, please feel free to post them here or call us at any time.

Thanks for your prompt reply. Parampal