Equally important to consider is property damage liability. This is intended to protect drivers against claims for damage caused by their vehicle in an accident. Most states require this type of coverage because it protects the other party. In addition, medical payments are a type of coverage that pays for injuries to a driver and the occupants of their car. While some states consider this optional others require this type of protection. In other instances personal injury protection is intended to replace medical payments as part of basic coverage.