Hi, this is Dave Farney and I'm here to talk a little bit about medical payments coverage.  Medical payments is a type of coverage that's offered by insurance carriers in the State of Arizona and you can purchase it with your insurance coverage for your vehicle.  Typically it's sold in increments of five thousand dollars; so five thousand, ten thousand, fifteen thousand, and so on.  It's fairly affordable coverage it can be very, very helpful if you're involved in an accident.  Now you may have health insurance coverage already but medical payments is unique.  It's unique to you. You purchase it and that coverage can pay you directly for medical bills and expenses that are incurred as a result of an automobile accident. I would urge you to talk that over with your insurance agent or if you have any additional questions about it you can always call my office.  I'm happy to help discuss that element with you.  And as always, if you have any an accident claim I'm here to help you.