I was in a collision and the bills are more than the insurance available to cover them. What do I do?
There are various "add-ons" or supplemental coverages that you can add to your state-mandated automobile insurance. Two of them are Under-Insured/Uninsured Motorist Coverage and Medical Payments Coverage. You should have both coverages in as high an amount as you can afford. Today, though, we will say a few words about Medical Payments Coverage.