It will depend upon state laws. If you live in a no-fault state (compare to a tort state) then you are required to carry personal injury protection (PIP) which does pay for your medical expenses to a certain degree.

Most states require "financial responsibility", where the driver is financially responsible and able to pay for the damages behind the wheel of a vehicle. Typically, the state will require insurance coverage to satisfy compliance with the financial responsibility laws.

PIP normally covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault. It is only available in certain states.

Typically those covered by PIP coverages include:

• Policyholder
• Policyholder’s relatives in the same household
• Other authorized drivers
• Policyholder and family members if they are injured while riding in someone else’s car or as a pedestrian when struck by another vehicle. (in some states)

Or if you have Medical Payments (MedPay) as part of your auto insurance coverages then you as a driver would be covered for medical expenses. 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. Does NOT matter who is at fault. 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 PIP and/or medical payments are not required by all states, most states do require you to have bodily injury liability (BI or BIL) coverage. BI however does not cover the driver or passengers (in most states) if the driver is at fault in the accident, instead it covers those in other vehicles or pedestrians that the driver has caused injury to.

Bodily injury liability covers other people's bodily injuries or death for which you are responsible. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.

Bodily injury liability covers injury to people, not your vehicle. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy.

So no, not all states require medical as part of an auto insurance policy that covers the driver and passengers if the driver is at fault in the accident. Most states do required bodily injury that covers third party claims though. BI covers those that you may cause injury in an accident you are at fault for.

Some states, such as Florida, are no-fault states and do require PIP that would cover the driver, and passenger if they were part of the driver's household or if they did not have their own insurance with PIP benefits to claim. To find out about your state insurance minimum requirements you can see our interactive map.

To get more specific state information regarding medical coverages that may be afforded to you by auto insurance if you are in an accident try contacting your state's insurance regulator.