auto insurance limits

Medical Payments Coverage: What MedPay Covers and How It Works

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medical payments coverage for accident-related medical expenses

Medical Payments Coverage, often called MedPay, is an auto insurance benefit that may help pay certain accident-related medical or funeral expenses for you and other eligible people, regardless of who caused the crash. It is generally a limited first-party benefit rather than a replacement for health insurance, liability coverage, or broader injury protection. For U.S. … Read more

Underinsured Motorist Coverage: What UIM Covers and How It Works

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underinsured motorist coverage for gaps in at-fault driver liability limits

Underinsured Motorist Coverage, often called UIM, is auto insurance protection that may help when another driver causes a covered crash but does not carry enough liability insurance to fully address the eligible loss. The at-fault driver has insurance, but the available liability limit may be too low. That is the central UIM problem: not zero … Read more