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?

Answer
“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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Emily Maracle
Answered on May 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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