Medical Payments coverage is an important coverage that we highly recommend to all customers. Usually in the case of an accident Personal Injury Protection (PIP) would pay for any medical expenses brought on by an accident. However if someone were to have any legal, illegal drugs or alcohol in their system during the time of the accident PIP can deny coverage for medical expenses. This is where Medical payments would come in. Regardless of fault or any substances in your system medical payments will cover your medical expenses up to the dollar amount specified on your policy.