Bodily Injury liability insurance is coverage against you when you're at-fault in an auto accident in which there is bodily injury to a 3rd Party most often in another car.

Medical payments is a coverage designed to cover the medical expense of individuals within your car. Another interesting fact about medical payments coverage is you do not have to wait for approval from the adjuster. This coverage is meant to be a deterrent to having to get into a full-blown lawsuit, many claims can be put to rest by simply using this coverage