What is 'medical payments coverage' (MedPay) and how does it differ from bodily injury liability?

MEDPAY vs BODILY INJURY LIABILITY: MEDICAL PAYMENTS (MedPay): First-party coverage — pays for the INSURED and passengers in the insured vehicle; No-fault — pays regardless of who caused the accident; Covers medical expenses only (not pain and suffering, lost wages); Lower limits (typically $1,000-$10,000); BODILY INJURY (BI) LIABILITY: Third-party coverage — pays for OTHERS injured when the INSURED is at fault; Requires fault determination; Pays all bodily injury damages including medical, lost wages, and pain and suffering; Higher limits (state minimums often $25,000-$100,000+);

Adjuster relevance: MedPay claims are handled as first-party — insured cooperates, no fault determination needed; BI claims require liability investigation; some states have PIP (Personal Injury Protection) instead of or in addition to MedPay — PIP is broader (includes lost wages) and may have coordination of benefits with health insurance requirements.