Updated: January 2022
Medical Payments coverage (MedPay) offers coverage for your medical expenses regardless of who is at fault in an accident. This extends to when you are a passenger in a car involved in an accident as well. It covers hospitalization fees, ambulance fees, rehabilitation costs, and in some cases copays for other health insurance policies.
MedPay is very similar to personal injury protection (PIP), as both provide medical coverage to the policyholder regardless of fault. There are a couple of major differences, however:
This depends on where you live. MedPay is only required as a part of the state minimum in Maine and Pennsylvania. In New Hampshire, where car insurance itself is not mandated, residents that do opt to get insured are required to include MedPay in their insurance package.
If MedPay isn’t required by your state but is an option where you live, it might be a good idea to take it into consideration. State minimum requirements often do not provide enough coverage in the event of a serious accident, meaning drivers that only purchase the state minimum are at risk of financial burden if they are involved in a major accident. Medical expenses can be incredibly expensive, particularly if you don’t have a great healthcare policy to begin with. If you do not want to risk any sudden medical bills after an accident, MedPay is something to look into.
Save on MedPay today by using our site to compare quotes -- you could save up to $744*/year. Type in your zip code and check out your low rates today!