What if I get hit by an uninsured motorist? Why do I need med pay on my auto insurance?

If you or a passenger would be injured by an uninsured or underinsured motorist (UM/UIM), your auto policy UM/UIM limits would help pay the expenses for your injuries. Medical Payment (Med Pay) coverage is there for you, your family members or your passengers as well, however, this coverage is for any automobile accident no matter who causes it. This includes for example, if you are hit by an auto while walking or riding your bike.