What are the requirements?
Medical Payments Coverage is optional in most states, but a few may require it. Even where it’s not mandatory, it’s a smart addition for extra financial protection and peace of mind after an accident.
Medical Payments (Med Pay)
What is Med Pay insurance coverage?
Medical Payments Coverage helps cover medical expenses for you and your passengers after an auto accident—regardless of who is at fault. It can pay for hospital visits, surgeries, X-rays, and even funeral costs in some cases.
Who is Med Pay insurance coverage for?
MedPay is for drivers who want help covering immediate medical costs after an accident, especially those who may have high deductibles on their health insurance or limited health coverage. It also protects passengers, pedestrians, and family members in your vehicle.
Questions about this coverage or a policy?
If you have any questions about this coverage or you are unsure what kind of coverages you need, please contact us.
Med Pay Insurance Coverage Example
Why do you need it?
Scenario:
Laura is involved in a minor accident on the highway. She and her passenger both sustain injuries and need emergency room treatment. Although Laura has health insurance, her plan has a high deductible.
How MedPay Helps:
Laura’s Medical Payments Coverage helps cover both her and her passenger’s medical bills—paying quickly and without regard to who caused the accident. It reduces her out-of-pocket expenses and provides faster access to care.
PIP VS. Med Pay: What's the Difference?
| Feature | Personal Injury Protection (PIP) | Medical Payments (MedPay) |
|---|---|---|
|
Covers Medical Expenses |
✅ Yes |
✅ Yes |
|
Covers Lost Wages |
✅ Yes |
❌ No |
|
Covers Essential Services |
✅ Yes (e.g., childcare, household help) |
❌ No |
|
Covers Funeral Expenses |
✅ Yes |
✅ Sometimes |
|
Applies Regardless of Fault |
✅ Yes |
✅ Yes |
|
Required by State? |
✅ In some no-fault states |
✅ In a few states, optional in most |
|
Best For |
Broader coverage needs after an accident |
Supplementing health insurance for medical bills
|
Our Knowledgeable team
Holly Turner
Agency Supervisor
Holly can educate you on commercial truck insurance no matter what you are hauling. We assist long-haul and short-haul truckers, Hazmat Carriers, Fleets, etc.
Zachary Wagner
Account Manager
Zach is dedicated to serving all of his clients to the best of his ability. He will always shop his clients to maintain the lowest possible premiums with the best coverage.
Erica LeBlanc
Renewal Specialist
Erica is our Renewal Specialist so there is a good chance that you will be speaking with her when your renewal comes up. She is professional, knowledgeable and fully capable of answering any questions you have.
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