These will vary from state to state and from one company to another. Do keep these in mind when enquiring about auto insurance policies:
Medical Payments Insurance: This policy will cover all immediate and on the spot injuries resulting from a car accident that need medical attention. You, your family members and other passengers in your vehicle are covered, irrespective of who is responsible for the accident. Depending on the specifics of the policy, medical payments coverage may also compensate for lost wages or services of a person injured in the car accident. PIP, or personal injury protection, is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering. Most states that require personals injury protection are “no fault” states, but Maryland, Delaware, and Oregon also do.
Underinsured and Uninsured Motorist Insurance: Both of these types of insurance protect you against injury caused in an automobile accident where the at-fault driver’s liability car insurance coverage is inadequate. Though they’re often lumped together, they’re really two distinct policies.
The Uninsured motorist insurance is needed when the other driver has no liability coverage. The Underinsured motorist coverage pays for the cost of your injuries that exceed the maximum in the other driver’s coverage. Most states require neither type of coverage, but some require one or the other, and a few even require both. They’re more often required in no fault states.