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<blockquote data-quote="FullAuto" data-source="post: 2042830" data-attributes="member: 5110">It sounds like the version you were giving is when you are the driver and cause the accident.&nbsp; If you cause the accident, med pay (C) coverage (and health insurance) pays for yourself and your family members.&nbsp; Any passengers that aren&#039;t in your immediate family are covered by your liability coverage and when it&#039;s not enough, their own UM policy, but not your UM policy as it&#039;s first party coverage, not third party.If it&#039;s not your fault, you (and your family) can still claim C coverage for medical bills only even if the at fault party has their liability coverage paying your bills.&nbsp; That&#039;s legal double dipping (not in all states, but it works here).&nbsp; The UM kicks in after their liability has hit the limits and pays for you and your family for medical bills as well as lost wages and P&amp;S.&nbsp; My wreck that I mentioned earlier was in a company car.&nbsp; I have open UM claims against the company car&#039;s policy as well as my own personal policy even though I wasn&#039;t in my own car.&nbsp; UM stacks in this state.&nbsp; There was also C coverage on the company car but I can&#039;t claim that because it&#039;s a worker&#039;s comp claim which specifically excludes C coverage claims.Liability, collision, comprehensive and Med Pay (C) coverage all follow the car.&nbsp; UM coverage follows the family members and not the car specifically.&nbsp; That&#039;s why it&#039;s only needed on 1 car per household.</blockquote>

[QUOTE="FullAuto, post: 2042830, member: 5110"] It sounds like the version you were giving is when you are the driver and cause the accident. If you cause the accident, med pay (C) coverage (and health insurance) pays for yourself and your family members. Any passengers that aren't in your immediate family are covered by your liability coverage and when it's not enough, their own UM policy, but not your UM policy as it's first party coverage, not third party. If it's not your fault, you (and your family) can still claim C coverage for medical bills only even if the at fault party has their liability coverage paying your bills. That's legal double dipping (not in all states, but it works here). The UM kicks in after their liability has hit the limits and pays for you and your family for medical bills as well as lost wages and P&S. My wreck that I mentioned earlier was in a company car. I have open UM claims against the company car's policy as well as my own personal policy even though I wasn't in my own car. UM stacks in this state. There was also C coverage on the company car but I can't claim that because it's a worker's comp claim which specifically excludes C coverage claims. Liability, collision, comprehensive and Med Pay (C) coverage all follow the car. UM coverage follows the family members and not the car specifically. That's why it's only needed on 1 car per household. [/QUOTE]

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