Medical payments coverage is one of the optional components of an auto insurance policy that insures against otherwise uninsured medical expenses in a car accident. It's one of the types of auto insurance that is not legislated in all states across the US, but can be extremely valuable to the insured.

Some people think that medical payments coverage is a duplication of their health insurance, or that their medical expenses are covered under bodily injury coverage. Others think that medical payments coverage is an essential component of auto insurance. How do you decide whether to add it to your policy? Here are some things to consider when making your decision.

Recently a friend of mine was searching for used cars fort worth and asked me what I thought about buying a used car from an individual versus buying from a dealership.

That wasn't the first time I heard that question and I doubt it will be the last. Thanks to the internet making it incredibly easy to buy used cars, many have abandoned dealerships all together. While there are certainly benefits to buying from individuals, there are also some issues that people should be wary of.

Rather than giving my friend a concrete answer, I worked with him to find the benefits of each method. Here's what we found:

Benefits of buying used cars from a private seller: