“Both bodily injury liability and medical payments coverage cover medical expenses, but they provide coverage in different situations.
This would include things like medical bills or expenses.
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.”