You may have seen this and think it is not needed since I already have health insurance.  You could be right, but let me explain what it does provide.  It may provide coverage for you the insured along with your passengers.  It may provide coverage to insured drivers who like to walk, or bicycle. It may provide coverage if you as the insured are a passenger in someone else’s vehicle and are injured.  If you as the insured need dental work after an accident or require extended nursing services or hospitalization or other rehabilitating services.

You may think, although you might have great health insurance you don’t need this added coverage, but having Medical coverage will help not only you as the insured it will also help your passenger’s as well.

More information on understanding your auto insurance coverage;

http://www.naic.org/documents/consumer_alert_understanding_auto.htm