As part of an auto insurance policy, medical payments coverage -- also known as “MedPay” -- helps pay the medical expenses for a driver and any passengers injured in a car accident, no matter who is at fault. This type of coverage is optional and not available in every state.
MedPay will cover the following medical expenses for you and any passengers injured in an auto accident:
It may seem like MedPay and liability insurance cover the same things, but there are differences. While medical payments insurance is optional, liability insurance is required in almost every state. Medical payments insurance will pay for your injuries and any passengers injured in a car accident, while liability insurance pays only for the other party’s medical expenses, as well as their vehicle and property damage.
While both medical payments and personal injury protection (PIP) insurance pay for you and your passengers’ medical bills following an accident no matter who was at fault, there are three key differences:
MedPay is only required in Maine and Pennsylvania. New Hampshire residents who choose to buy car insurance must purchase MedPay as well. See the below table for availability by state:
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For most people, MedPay is an option to consider in case your medical expenses from an accident exceed your health plan limits, or there are costs your health plan does not cover. MedPay can provide an added safety net as it also can be used for health insurance deductibles and co-pays. Those expenses can be significant if you have a high deductible health plan.
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