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What is medical payments (MedPay) insurance?

Medical payments (MedPay) insurance covers medical bills regardless of fault. MedPay car insurance costs between $2 and $37 a month. MedPay is optional in 48 states, but it's required in Pennsylvania and Maine.

Is medical payments (MedPay) insurance essential to your car insurance policy? Medical payments coverage adds a small amount to your overall car insurance rates per month, and it’s only required in two states.

Read through this short article to learn how medical payments coverage works in auto insurance and what states require you to carry MedPay coverage.

Are you ready to shop for car insurance with medical payments coverage? Enter your ZIP code in the free comparison tool above to compare the top companies in your area.

How does medical payments (MedPay) car insurance work?

Medical payments (MedPay) is one of the no-fault car insurance coverages that pays for medical expenses regardless of fault in an accident.

When you file a MedPay claim, it covers medical expenses for you and other passengers. However, MedPay coverage limits aren’t the same as liability coverage limits.

Some auto insurance companies provide up to $5,000 for medical expenses. Once you exceed MedPay’s limit, you’ll have to rely on your health insurance to cover the rest of your medical bills.

What does MedPay car insurance cover?

Some drivers mistake MedPay for personal injury protection (PIP), but they’re different. Check out this list to see what MedPay covers.

  • Ambulance and emergency medical tech fees
  • Doctor and hospital visits
  • Health insurance deductibles and copayments
  • Nursing services
  • Surgery, x-rays, and prostheses

A medical payments (MedPay) car insurance company won’t pay for medical expenses for other drivers involved in an accident. Your bodily injury liability pays for the medical costs of other drivers when you’re at fault in a car accident.

What does MedPay car insurance not cover?

Medical payments doesn’t cover some expenses. For example, MedPay won’t pay for child care, lost wages, lawyer fees, or other services related to personal injury. Before you buy medical payments (MedPay) car insurance, look at what your car insurance company covers.

Is MedPay car insurance required?

Only two states require MedPay: Pennsylvania and Maine. New Hampshire law doesn’t require drivers to carry auto insurance, but if a driver has car insurance in New Hampshire, MedPay must be part of their policy.

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How much are medical payments (MedPay) car insurance rates?

Several factors determine whether affordable medical payments (MedPay) car insurance is available to you. You could spend between $2 and $37 a month on MedPay auto insurance.

Compare the best car insurance companies and see how personal factors affect your medical payments (MedPay) car insurance quotes.

If you have good credit, you may get lower than average medical payments auto insurance rates. Shop around until you get the MedPay car insurance rates you need.

What’s the difference between medical payments (MedPay) and personal injury protection (PIP)?

MedPay and PIP are no-fault auto insurance coverage options. MedPay covers medical expenses, but PIP pays out costs from personal loss.

PIP also has higher coverage limits. You can get at least $10,000 in PIP coverage. Meanwhile, MedPay covers up to $5,000 in medical expenses.

What’s the difference between medical payments (MedPay) and bodily injury (BI) liability?

You saw how MedPay covers medical expenses. Bodily injury liability covers medical bills, too. However, bodily injury liability only works when the other driver is at fault.

If you’re at fault in an accident, your bodily injury pays out to the no-fault party (the other driver and their passengers).

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Medical Payments (MedPay) Car Insurance: What’s the bottom line?

Ultimately, MedPay covers specific areas that PIP and bodily injury liability can’t reach. Medical payments insurance is also cheaper than most coverage options. Therefore, we recommend adding this coverage to your policy to avoid out-of-pocket medical expenses.

Now that you know more about MedPay car insurance, use our free online quote tool below to compare multiple companies near you.

References:

  1. https://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm

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