PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Why do I need medical payments on my policy if I have bodily injury?
Do I need medical payments coverage? I have the state required limits for insurance in Montana.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Both bodily injury liability and medical payments coverage cover medical expenses, but they provide coverage in different situations.
Bodily injury liability
covers the injuries of another party or their passengers when you’re at fault in an accident. This would include things like medical bills or expenses.
Medical payments coverage
provides coverage to you or your passengers when you’re injured in an accident, regardless of fault. Medical payments coverage provides immediate coverage to you when you’re injured. It doesn’t require you to wait for liability to be determined.
Medical payments coverage in Montana is optional, but bodily injury is required.
If you have good health insurance with a low deductible, it may not be beneficial to add medical payments. However, if you can afford to add it, you would have extra protection if you’re ever injured.”
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
.jpg&w=64&q=75){kind=avatar}
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
