Medical Payments Coverage (MedPay)
Covers medical expenses for you and your passengers after an accident, no matter who's at fault. Simple and affordable.
What is MedPay?
Medical Payments Coverage (MedPay) is optional insurance that pays for medical expenses resulting from an auto accident, regardless of who was at fault. It's similar to PIP but simpler and more limited in scope.
MedPay is available in at-fault states as a supplement to your liability coverage. It provides quick payment for medical bills without having to determine fault or wait for the other driver's insurance.
What Does MedPay Cover?
Medical and Hospital Bills
Emergency room visits, hospital stays, surgery, doctor visits, and medical procedures.
Ambulance Fees
Covers transportation to the hospital via ambulance.
X-rays and Diagnostic Tests
Pays for X-rays, MRIs, CT scans, and other diagnostic procedures.
Dental and Vision Care
Covers dental work and eye care needed due to accident injuries.
Prosthetics and Medical Equipment
Pays for crutches, wheelchairs, prosthetics, and other necessary medical equipment.
Funeral Expenses
Covers funeral and burial costs in the event of a fatal accident.
MedPay vs. PIP
| Feature | MedPay | PIP |
|---|---|---|
| Medical Expenses | ✓ Yes | ✓ Yes |
| Lost Wages | ✗ No | ✓ Yes |
| Funeral Expenses | ✓ Yes | ✓ Yes |
| Service Replacement | ✗ No | ✓ Yes |
| Typical Cost | Lower | Higher |
Coverage Limits
MedPay limits are typically lower than PIP and range from $1,000 to $10,000 per person.
$1,000-$2,000
Basic Coverage
$5,000
Most Popular
$10,000
Maximum
Who Should Get MedPay?
- Drivers with high-deductible health insurance plans
- People without health insurance
- Drivers who frequently carpool or have passengers
- Anyone wanting extra medical coverage beyond health insurance
Average Cost
Annual Premium
$20-100/year
One of the most affordable optional coverages
What coverage level do you need?
Choose the protection that matches your requirements