What kind of car insurance pays for your injuries when you're in an accident in your car?

Three types of auto insurance come to mind: medical payments (or personal injury protection), liability coverage and under/uninsured motorist coverage.

Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy limits.

Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault.

UM coverage is owned by the injured person and pays them in cases where the at-fault driver does not have any insurance or does not have enough liability coverage.