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.

Answer provided by
Emily Maracle
Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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.”

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