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Do I need medical payments coverage if I have liability and uninsured motorist coverage on my van?

I have bodily injury on my policy as well as uninsured motorist coverage. What would medical payments cover that bodily injury and uninsured motorist wouldn't?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The purpose of
medical payment coverage
is to protect you and your passengers if you’re injured in an accident, regardless of fault. It will help pay for medical expenses related to the accident.
Bodily injury liability
covers the other driver’s injuries if you are at fault in an accident.
Uninsured motorist coverage
only provides protection if you’re in an accident with an at-fault driver who does not have insurance.
Medical payments coverage would be your only source protection if you or your passengers are injured in an accident and you are at fault.
While it is optional in most states, it can be an important coverage to have, even if you have health insurance. It’s typically considered primary coverage and will kick in before your health insurance.
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