Which type of insurance helps pay medical expenses regardless of fault?

Medical payment insurance is designed to cover medical expenses for individuals involved in an accident, regardless of who is at fault. This type of insurance provides prompt assistance in paying for healthcare costs, such as hospital bills and rehabilitation, which can alleviate financial strain during recovery.

This coverage typically extends to not only the policyholder but also passengers and pedestrians injured in an accident. Unlike liability insurance, which only pays for damages you cause to others if you are at fault, medical payment insurance ensures that medical bills are taken care of without requiring a determination of fault.

In contrast, liability insurance is geared toward covering the costs of damages or injuries you cause to others, while uninsured motorist insurance provides coverage when you are in an accident with a driver who does not have insurance. Physical damage insurance pertains to the repair costs for your own vehicle due to incidents like accidents or theft, but does not cover medical expenses for individuals.