QuotesChimp remedy to this issue would be to create a new state office: Public Advocate. The occupation of Public Advocate would be to choose the side of the typical insurance consumer when issuees of premium rate increases, insurance policy wording, insurance laws, or other problems of crucial import to consumers are being debated in the legislature or determined by the insurance commissioner. A Public Advocate would have the time, cash, tips, and skill to efficiently represent the consumer's viewpoint. This is tremendously significant from my view because I do not consider that the consumer is sufficiently represented in authorities. This new office would balance the equation. As the name implies, the medical payments coverage in an auto insurance QuotesChimp is designed to pay for some of the medical con?sequences that can result from an accident. Unlike the liability portion of the insurance policy, "med pay" has no relationship to fault but will pay benefits to eligible beneficiaries for the cost of medical care and funeral expenses up to the policy limits.