Medical payments cover injuries from an accident. Most medical payment coverage is between $5000 and $15,090, but it can be higher or lower. If you have health insurance to pay for your medical care, you may not require a lot of coverage with your car insurance. While it’s illegal not to carry insurance, some drivers let their coverage lapse. In this situation, you would need your own health insurance to pay for your medical care. If you don’t have any, you would be reliant on the medical payments portion of your car insurance. Some insurance policies include funeral expenses as part of the coverage. If you have life insurance or a burial policy, you wouldn’t necessarily need this coverage, but you should be aware that it exists.