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Medical payment coverage, commonly referred to as MedPay, is optional car insurance coverage that you can use for medical expenses if you or your passenger were injured in a car accident. This coverage can be used for hospital visits, surgery expenses, and emergency medical technician fees, among others.
The insurance has a coverage limit which you can select; so you should consider getting MedPay coverage and drive just a little bit easier knowing a potential collision will not bankrupt you.
MedPay applies to you and any passengers in your vehicle at the time of the crash. It does not extend to the other driver’s injuries but it does typically cover pedestrians who are injured by your vehicle. In addition, coverage does not apply when you need wage reimbursement for missing work – it only covers your relevant medical expenses.
Similar to MedPay, Personal Injury Protection (PIP) also helps pay for your or your passengers’ medical expenses following a car accident, no matter who was at fault. However, there are some key differences to note between the coverage options.
One difference is the availability. PIP is available in “no-fault” states, while MedPay is available in states that are fault-based, and only where PIP is not an option.
Another difference is that Medical Payments Coverage is always optional, while PIP can be required, depending on the state you live in.
Lastly, PIP can cover wage reimbursement for missing work due to injuries, and Medical Payment Coverage does not.
Auto liability insurance, which is required in most states, covers the other driver’s property damage or bodily injuries if you are deemed at fault in an accident. However, this generally will not cover your or your passenger’s medical expenses in most states. This is one reason you should consider purchasing medical payment insurance. MedPay could also be helpful if you live in an urban area with a lot of pedestrians, since they are also covered.
Basic auto insurance does not cover your medical expenses if you were at-fault for an accident due to alcohol or drug use, even if your auto insurance policy is a no-fault one. MedPay, on the other hand, could help cover your medical expenses in this scenario.
Although MedPay is offered in most states, it is not available in all, so be sure to check your state’s insurance options. Having the means to pay for essential medical expenses immediately following an accident is crucial. Discuss your options further with a Personal Injury attorney from Jan Dils, Attorney at Law. We offer free consultations.
Jan Dils, Attorneys at Law