What's the difference between bodily injury protection and medical payments coverage?

Do I need to get MedPay if I have bodily injury? I live in South Carolina and I already have bodily injury protection through my coverage.

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Sophie Newman
Answered on Jul 01, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
Bodily injury liability is one of the two main components of basic liability car insurance, which is required in most states.
Bodily injury covers medical costs associated with other parties in case of an accident.
Medical payment coverage, or MedPay, is a supplemental type of insurance that covers injuries to you and your passengers. It can cover:
  • X-rays
  • ambulance fees
  • funeral expenses”
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