Medical payment insurance under your auto policy typically provides payment for necessary medical and funeral costs regardless of who is at fault. The insured, family members and other passengers in the car at the time of an accident are typically covered. You may also be covered if you are a pedestrian and get hit by a vehicle. The medical payment coverage is generally specified as a single limit and applies to a single person per accident. For example, you may have $10,000 of medical payment coverage defined in your auto insurance policy.

Be aware, if there are other applicable insurance coverage policies in affect by the other individuals involved in the accident, your policy coverage may be limited to only your insurance company's share of the loss.

Medical payment coverage under your car insurance policy can be complicated and there are additional rules, exclusions and supplemental items that varying by state. Be sure to check with your agent for advise on coverage amounts and specific requirements in your state.