Insurance policy terms and coverages can differ depending upon state laws and an insurance company's guidelines however there are general items which medical payment insurance pays for and yes, it is normally the insured's medical bills.

Medical Payments (MEDPM) coverage helps pay for medical treatment for accident related injuries, no matter who is at fault. These costs may include doctor visits, hospital visits and/or stays, surgery, x-rays, EMT and ambulance fees, and other similar expenses. This option usually will cover you, your passengers, and any family members who may be driving the insured car during the accident. This coverage also helps cover funeral expenses.

So MedPay 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. Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or when they are hit by a car while on foot or bicycling. Coverage is limited to the terms and conditions contained in the policy.

While the medical payment coverage will pay regardless of who is at fault in an accident, if someone else is liable, your insurer may seek to recoup the expenses from him or her by subrogating with that individual or their insurance carrier.

MedPay is for bodily injuries that one has received. If you want coverage for your vehicle being damaged in an accident you would need physical damage coverages of collision and comprehensive. Follow this for a link to affordable auto insurance.