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Why do I need medical-payments coverage under my automobile insurance policy?

The medical-payments coverage in a typical automobile insurance policy covers your medical and hospital bills (up to a certain dollar amount) if you or a passenger is injured in a car accident. You may need to purchase the coverage, even if you have a separate health-insurance plan. According to "Get a Financial Life" (Simon & Schuster), "If you live in a no-fault state, you probably will be required to buy a minimum amount of medical payments coverage, typically called 'personal injury insurance' or 'no-fault insurance.' It covers your medical bills (and in some cases your loss of income if you are disabled) regardless of who is to blame for an accident. "If you live in a 'fault' state, you are usually not required to purchase medical payments coverage, but you may want to anyway. Accidents in which no one can be proven negligent won't be covered by liability insurance, and liability insurance will not cover your own injuries in accidents that you have caused." If you already have good health insurance, you won't necessarily need medical payments insurance to cover your own medical bills. But you may want to consider purchasing it if you often have passengers in your car.