What Is the Difference Between Bodily Injury Liability Coverage and Medical Payments Coverage in Auto Insurance?

Whenever the word liability is included in insurance coverage, it will pertain to covering someone other than the person insured under the policy. If you were to collide with someone else and they were injured, the bodily injury limits on your policy would apply to their medical needs.

Medical payments coverage is there for you if the accident you caused injured you. Often, people will have limits on medical coverage that match the deductible for their personal health insurance policy.

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