There are two types of this kind of coverage in an auto insurance policy: medical payments (Med Pay) and personal injury protection (PIP). In some states, PIP coverage is mandatory, so people might already have it without realizing it. PIP covers more than Med Pay (e.g., lost wages), and is generally more expensive.
The details vary by state.
But your suggestion made me think about what I have. I know that I opted for Med Pay on my RV policy, but I'm not sure whether I have Med Pay or PIP on my toad's policy--they are with different companies, and I shop the RV policy heavily, while I've had my toad insured with the same company for years, so I haven't thought about the toad's insurance in a long time. I need to check into that.
