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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.

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
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”
MORE:
Types of Insurance
Bodily InjuryMedPay
View full answer 
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