Why do I need medical payments coverage if I have bodily injury and uninsured motorist coverage?
It seems like an unnecessary coverage since I already have both bodily injury and uninsured motorist coverage. Wouldn't it cover the same things as these?
“Bodily injury liability only covers injuries to others if you’re at fault in an accident. Uninsured motorist coverage covers you and your passengers if you’re injured by a driver who is uninsured.
Medical payment coverage is most similar to health insurance. If you’re injured in an accident, it will help pay for your medical costs, regardless of fault. Without medical payments coverage, you likely wouldn’t have any coverage for your injuries in an accident.
If you can afford to add medical payments coverage to your policy, you should do so. It will provide additional coverage along with your health insurance policy. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Is pay per mile insurance better than standard car insurance for retirees?
Which car insurance is best for my grandmother who only drives once a week?
Jul 09, 2021
How can I reduce my car insurance costs in Nevada on a Subaru Forester?
"My children and I are on a policy together. I own a 2015 Subaru Forester. I carry $100,000/$300,000 for liability, along with property damage and uninsured/underinsured motorist coverage. I also have full coverage, rental reimbursement, and roadside assistance. Is there any way to reduce my costs? "
May 14, 2021
Will liability insurance cover me if I wasn't at fault in an accident in an Alamo rental car?
I recently rented a car from Alamo. When I was driving, another car hit me. I have 100/300/100 liability insurance. Will my policy cover me?
May 04, 2021