Which part of an auto policy typically has the smallest limits?

Medical Payments Coverage typically has the smallest limits in an auto policy because it is designed to cover medical expenses for the insured and passengers in the event of an accident, regardless of fault. The coverage amount is usually lower than that of liability coverage, which provides broader protection against claims for bodily injury and property damage that one might cause to others.

While liability, collision, and comprehensive coverages serve more extensive financial risks related to vehicle operation, medical payments coverage is specifically focused on immediate medical needs, which often entail lower overall costs than the potential liabilities from accidents. This targeted approach leads insurers to set lower limits for medical payments coverage compared to the potentially much larger claims involved in liability coverage. Additionally, many policyholders may opt for lower medical payments limits since they often have personal health insurance that can cover these expenses.