What does "medical payments coverage" do?

Medical payments coverage is designed to pay for medical expenses incurred by the insured and passengers in the insured vehicle, regardless of who is at fault for an accident. This type of coverage provides immediate financial assistance for necessary medical treatment resulting from an auto accident, ensuring that medical bills can be addressed quickly without the need to determine fault first.

This is particularly important because it allows for a smoother process in obtaining care after an accident, which can often be a stressful and chaotic time. By covering medical expenses, this insurance helps provide peace of mind, knowing that medical bills will be taken care of without having to navigate liability issues right away.

In contrast, damages to the insured vehicle and vehicle repair costs are covered by collision or comprehensive coverage, while uninsured motorist coverage offers protection against costs arising from accidents with drivers who lack insurance. Hence, those options do not pertain to medical payments coverage specifically.