This insurance coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.
This may also cover policyholders and their family members when in others’ vehicles, or when policyholders, and their family members, are on foot and hit by a car. Additionally, as a homeowner, this may pay a visitor’s injury, without fault on your part. This is usually sold in the $1,000 to $5,000 range.
The amount paid by medical payments coverage is capped at the limit you choose when you buy your insurance policy.