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What Is the Difference Between Bodily Injury and Medical Payments?
This type of coverage protects you if the other driver is injured and you are found at-fault for an accident. It covers a portion of the costs associated with their injuries and injuries sustained by their passengers. It can also provide some coverage for any injured pedestrians or bystanders. Every state and Washington DC requires drivers to have bodily injury coverage as a part of their auto insurance policy.
Medical Payments Coverage
Medical payments (often called MedPay) covers you, your family, or any other passengers in your vehicle at the time of the accident, regardless of who is at fault. The coverage requires no deductibles or co-payments. It’s immediate and helps to pay for any medical bills you or your passengers accrue following an auto accident. Medical payments coverage is optional.