What should my auto insurance company pay me if I’m injured?

MED-PAY – If the occupants of your car are injured in an accident, this portion of your policy pays their medical bills, usually up to an amount such as $5,000. These payments are made regardless of whose fault was the accident. Insurance companies are not quick to advise their insureds who have been injured that they have this coverage, so it is important that you know about it. In addition to med-pay, if the other driver was at fault and had no insurance, then your uninsured motorist coverage will pay your bills, lost earnings, pain and suffering, and loss of enjoyment of life up to the amount of your coverage.