Do yourself a favor, get medical payment coverage on your auto policy. When you are hurt in an accident the last thing you need to deal with is financial issues, hospital and doctor bills. Medpay covers you and others regardless of fault. An accident could leave you dealing with bill collectors waiting for your case to settle.
$25,000 in coverage is around $120.00 a year. You will be glad you did. This coverage must be requested it is not automatic.