The medical payments coverage part of a personal auto policy covers the costs of medical services for anyone in the insured’s vehicle. Limits on this coverage are typically low because most individuals have their own individual or group medical insurance policies that cover most of the these costs. This coverage is specifically for individuals in the insured’s vehicle, not for medical expenses of pedestrians, other drivers, or any other injured parties.ย Damages to other parties are covered under liability coverage with much higher limits.
Personal auto policies often include personal injury protection coverage in states with no-fault laws or similar laws.ย In some states personal injury protection coverage is compulsory (required).ย This type of coverage provides limited protection from loss of income as a result of injuries from the accident. Just like medical payments coverage, this coverage only applies to individuals in the insured’s vehicle.
