In personal automobile insurance, deductibles apply to

Medical payment coverage generally provides for medical expenses resulting from an auto accident, regardless of fault, and does not involve a deductible. This coverage is designed to cover immediate medical costs for the insured and passengers, eliminating the deductible requirement to ensure prompt access to necessary medical care.

Bodily injury liability coverage pertains to costs associated with injuries inflicted on others in an accident where the policyholder is at fault. This type of coverage is not subject to a deductible, as it is intended to protect the insured from legal and financial repercussions stemming from bodily harm to others.

Supplementary payments provide additional coverage for expenses like court costs and bail bonds that arise during a legal process related to an accident. This coverage does not include deductibles, as it serves to enhance the primary liability coverage and is designed to cover certain expenses without requiring upfront payment from the insured.