What type of damages are typically covered under medical payments coverage?

Medical payments coverage is designed to provide financial assistance for medical expenses incurred by the policyholder and passengers following an automobile accident, regardless of fault. This coverage is intended to address immediate medical needs, such as emergency room visits, hospital stays, doctor visits, and rehabilitation costs that arise as a direct result of the accident.

By focusing on medical expenses, this coverage ensures that policyholders and their passengers can receive timely medical attention without the burden of out-of-pocket costs, thus promoting their recovery and well-being following an accident. Other types of damages, such as property damage, loss of earnings, or punitive damages, fall outside the scope of medical payments coverage and are addressed under different types of insurance or liability claims.