Medical payments coverage protects passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian.
Medical payments coverage covers medical expenses you or any of your passengers may need to diagnose and treat injuries resulting from an accident involving your vehicle, up to the policy limits. It doesn’t matter whether the accident was your fault or not. You are also covered if another vehicle hits you as a pedestrian. Coverages vary by state.