The next line on here says medical payments, $10,000.  The medical payments portion of your policy costs extra, and you do not have to carry that on your insurance policy, but what it will do is pay up to $10,000 of medical bills that you might receive from an automobile accident.  It does not matter who caused the accident, whether you caused your own injuries, or someone else caused them to you, your policy would still provide you will $10,000 worth of insurance coverage. Incidentally, if you have more than one policy on the car, for example, if you have three cars, you actually multiply the $10,000 by three and you actually have $30,000 of medical expense coverage.