That's a good question about the medical coverage. I have it on my vehicle insurance, but I guess I have always assumed my regular medical insurance would decline to pay for injuries from a vehicle crash. Then again, when you go to the hospital for an injury, regardless of how you got the injury, they ask for your medical insurance card. They definitely don't ask for your vehicle insurance card LOL. I'm going to ask around on this a bit. Could save some money. Thanks Michelle