Get MedPay With Your Auto Insurance

Medical Payments Coverage, or MedPay, offers crucial financial protection for medical expenses following a car accident, regardless of who is at fault. Enter your zip code today to see how easy and affordable it is to add MedPay to your auto insurance plan.

Medical Payments Coverage

Medical payments (MedPay) insurance coverage is one of two coverages you can purchase on your auto insurance policy to cover the medical expenses you and your passengers incur in a car accident, whether the accident is your fault or not.

What Does Medical Payments Insurance Cover?

The medical payments portion of your auto insurance policy is a set limit per person that your car insurance company will pay to you and your passengers when you are injured in a car accident. Even if the accident is not your fault, the medical payment limit must be exhausted before the at-fault driver's insurance or your health insurance company will step in to pay the rest of the claim.

MedPay coverage will also be primary in a claim in which you are injured as a passenger in a vehicle, even if it's not your car. For example, suppose you are in an accident while you're in your friend's car as a passenger, and you have MedPay on your auto insurance policy. In that case, your policy will pay out the MedPay limit first, followed by your friend's car insurance company if they carry MedPay on their policy. Also, if you are a pedestrian and you are hit by a vehicle, the MedPay on your car insurance policy will pay for your injuries up to your policy limit before the other driver's liability insurance is accessible to you.

Here are some examples of the types of medical expenses that medical payments coverage on your car insurance policy will pay for:

• Ambulance

• Dental procedures

• Doctor visits

• Funeral expenses

• Health insurance deductible and your co-pays

• Hospital visits and stays

• Nursing services

• Prostheses

• Rehabilitation costs

• Surgery

• X-rays

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The difference between PIP and Medical Payments Coverage?

MedPay coverage only covers medical expenses for you and your passengers resulting from a car accident. Personal injury protection (PIP) coverage is a separate coverage that will cover your medical expenses as well as additional things such reimbursement for lost time at work due to the accident, funeral expenses, and benefits to survivors of a driver or passenger involved in the accident, and coverage for things you cannot do because of the injuries you incurred in the accident such as childcare, house cleaning, and transportation services. PIP coverage is required in some states called "no-fault states," whereas medical payment coverage is optional.

What about Bodily Injury Liability Coverage and Medical Payments Coverage?

Bodily injury coverage is one of the coverages that all but two states in the U.S. require you to carry to cover the injuries you cause to another driver or their passengers in an accident that is your fault. This coverage does not pay for the injuries you or your passengers suffer in the accident. Medical payments or personal injury protection are the coverages that will pay for your injuries and those of your passengers.

Which States Offer Medical Payments Coverage?

Because medical payment coverage is optional, it is not offered in all states. These are the states in which you can buy medical payment coverage:

• Arkansas, Connecticut, Delaware, Maryland, New Hampshire, Oregon, South Dakota, Texas, Virginia, Washington, and Wisconsin

If your state does not offer MedPay coverage, it will offer personal injury protection (PIP) coverage. Either way, you can purchase coverage to protect yourself and your passengers with one of these coverages.

How Much Medical Payments Coverage Should I Buy?

Medical payment coverage is optional, but you should carry as much as you can afford or at least enough to cover the deductible on your health insurance coverage. Many health insurance plans have steep deductibles that you must satisfy before your health insurance company will step in to pay for medical costs. Having MedPay or PIP coverage can make a challenging situation easier if it can cover these expenses for you and your passengers.

Medical Payments Insurance Coverage FAQs

Q: What does MedPay cover?

A: If you have medical payments coverage on your car insurance policy, your policy will pay for your and your passenger's medical bills after a car accident, even if it's not your fault. The coverage will also pay for your medical bills resulting from an accident in which you are a passenger in a vehicle or if you are a pedestrian injured by a motor vehicle.

Q: Is MedPay the same as PIP coverage?

A: Medical payments coverage will only pay for medical expenses resulting from a car accident. Personal injury protection (PIP) coverage will pay for your medical costs and reimburse you for lost wages, funeral expenses, and other expenses.

Q: Do I need medical payment coverage if I have health insurance?

A: Medical payment coverage is optional, but if you have a health insurance policy with a deductible, you may want to consider purchasing MedPay to help pay that deductible in the event of a car accident. If you do not have health insurance, MedPay will at least help you to mitigate some of the cost of your medical bills resulting from an accident.