Medical payments (MedPay) coverage under a personal auto policy pays:Liability damages owed to third parties injured in the accidentFiling a financial hardship waiver with the DMVRegistering the vehicle in another state with lower requirementsCompleting a state-approved defensive driving courseThe other driver's repair costs when the insured is at faultMedical and funeral expenses for the insured and passengers, regardless of faultLong-term disability income if the insured cannot return to workPurchasing auto liability insurance meeting minimum required limits