Bodily Injury Liability (BI) covers other people's bodily injuries or death for which you are responsible. Therefore, BI does not cover your medical bills.

Uninsured Motorist Bodily Injury (UM) covers you, the insured members of your household and your passengers for injuries, damages or death caused by the negligence of a person with insufficient insurance. If you have an accident with a person whose coverage cannot meet your damages, your policy will meet the difference-up to the limit of liability listed on your policy.

UM would cover your medical bills if the other person was found to be at-fault and they didn't have sufficient BI to cover your medical bills.

Medical Payments (MP) covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. It does NOT matter who is at fault.

Medical Payments is additional medical coverage, you may find that you don't need it if you have health insurance coverage elsewhere. If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.

You can read more in our coverage definition learning center.