Been in conversation with a few folk who seem to think there is adequate medical coverage ($150,000 -$300,000) on driver and passenger policies for single vehicle accidents (You run off the road) The most I have heard of is anywhere from nothing to $10,000. And I think if you hit a car and its your fault you will not be covered for medical on your policy. If it is their fault their policy will pay. If its hit and run you are out of luck? ( I want to borrow out a ride to my nephew who has no personal medical policy.) Any one have experience with this?