Medical Payments Coverage is listed on the Declarations Page of your auto policy.  Even insurance policies issued through an “assigned risk plan” can include Medical Payments Coverage. It is a coverage which pays for medical treatment and funeral expenses incurred by the insured and any family members resulting from an accident.  This coverage is no-fault.  Because this coverage is no-fault your premium is not raised if a claim is made under the coverage.   It does not cover the other driver or passengers in a crash. That exposure is covered under Auto Liability Coverage.