Your medical payments coverage also known as Med Pay coverage, will be responsible for paying all of your reasonable and necessary medical bills.  This would include for example:  funeral expenses, injuries sustained by you our your passengers, injuries that you sustain as a pedestrian or bicyclist after a car hits your, even necessary dental care as a result of a car accident.     Having med-pay is like having additional health coverage attached to your automobile policy.   It is extremely important that you know your Med Pay policy and any exclusions it may have.    Make sure that when you are comparison-shopping for your car insurance, that you speak with an insurance agent from the company to fully understand the details of their medical payments coverage.