Your defense lawyer will want to be paid from the day of hire, often for each hour worked - even if you eventually lose the case. Medical payments coverage is for minor injuries to people other than residents of the household. You don't have to be sued or be negligent. Aunt Bertha from 200 miles away comes to visit for a few days. The day she arrives she slips on the stairs and breaks a hip.
Deductibles save money.
Combine your auto and home insurance with the same company.