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The only problem is that medical payments also covers passengers in your vehicle and if they dont have adequate medical coverage you could be held liable for expenses and without medical payments coverage it could put you in the poor house. Sher from The Auto Insurance Center has been serving customers for over 20 years. In Florida, a long term care policy must cover at least two years of nursing home coverage. Alabama auto insurance provides compulsory coverage of bodily injury and property damage liabilities. Alabama Insurance Benefits