Body injury insurance covers the other party's injury and medical expense when you are at fault. Medical payment is a bit different. It's for yourself and whoever rides w/ you when you are at fault. As most of time it's your family members that ride with you and all of them have 医保, you don't have to buy coverage for Automobile Medical Payments.
On the other hand, if you want to have peace of mind to cover other riders who may not have their own medical plan, you might want to consider to buy such insurance coverage.
Just my 2 cents.
On the other hand, if you want to have peace of mind to cover other riders who may not have their own medical plan, you might want to consider to buy such insurance coverage.
Just my 2 cents.
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