Medical payments coverage  protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian. Coverages vary by state, so be sure to check with your local independent agent or Travelers representative to verify what your policy covers. Some states offer personal injury protection (PIP) in place of, or in addition to, medical payments coverage. Also known as “no-fault” insurance, PIP may cover additional expenses related to injuries sustained in an accident, such as:
Medical expenses
Funeral expenses
Lost wages/income
Without medical payments/PIP coverage, you typically will need to pay the full cost of medical and related expenses out of pocket after an accident. Consider your risk tolerance and financial circumstances when choosing the level of protection that’s right for you and your family – then discuss your medical payments/PIP coverage needs and policy limits with your local independent agent or Travelers representative.