What does Medical Payments in insurance provide coverage for?

Medical Payments in insurance is designed to provide coverage specifically for medical expenses arising from bodily injury sustained by the insured, their family members, or guests on their property, regardless of fault. This coverage helps pay for costs such as hospital bills, medical treatment, and other necessary expenses related to an injury.

It's important to highlight that Medical Payments is not intended to cover property damage, which would typically fall under liability coverage or property insurance. Additionally, while Medical Payments can assist with medical expenses associated with bodily injuries, it does not provide coverage for loss of income that an individual might experience due to an injury. Similarly, legal fees associated with defending a claim or lawsuit are generally covered by a liability policy, rather than under Medical Payments coverage.