The Special Automobile Insurance Policy (SAIP) is an initiative to help make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $365 a year.
The SAIP policy covers emergency treatment immediately following an accident and all treatment of serious brain and spinal cord injuries up to $250,000. The SAIP policy also provides a $10,000 death benefit.
The SAIP policy DOES NOT COVER damage you may cause toother persons or property (liability coverage), or damages to your own car (collision and comprehensive coverages). The SAIP policy also does not cover outpatient treatment (non emergency doctor visits, physical therapy, etc.).