你上面原来说的是bodily injury coverage，确实不保你自己的医疗费用，但如果所谓的“半保”中包括你列的那个

Medical expense,在很多州是个选项， 但如果在你的州是强制的，则就有会赔付你的医疗费用（无论你是否是有错方）。

请仔细看看DMV对bodily injury liability和Medical expense的定义：

Liability Bodily Injury Coverage

Nearly every state in the country requires that every car driven on its public roads be insured with liability insurance. Your state will have a set minimum requirement for how much liability insurance you must have.*

Liability coverage consists of two parts:

• Bodily injury coverage: Pays for medical costs associated with injuries suffered by others in an accident you cause.
  • It is important to understand that this coverage does not pay for your own injuries.
• Property damage coverage: Pays for damage to another person's property (e.g., vehicle) in an accident you cause.

When you're injured, the at-fault driver's bodily injury coverage will pay your medical expenses. If you are at fault, you'll have to use one of the coverages below.

 

Personal Injury Protection (PIP)

Medical Payments

http://www.dmv.org/insurance/how-to-cover-medical-expenses-through-car-insurance.php

 

Purchasing Medical Payments Coverage

While medical payments coverage is generally considered optional, your state may legally require it be written into your policy, though you may be able to reject it in writing.

http://www.dmv.org/insurance/medical-payments-coverage.php