Costs are covered up to the amount specified by the policy. Personal injury coverage pays a broader range of medical costs than does Medical Payments coverage. Coverage includes provisions for lost wages and the replacement of the services of someone injured in an accident. Personal Injury coverage is generally required in states with No-Fault and available in some other states. In some states or insurance policies, Underinsured Motorist protection is usually separate from Uninsured Motorist coverage.
Coverage includes payment of medical costs, lost wages and pain and suffering.
It is required in many states.