Medical Payments Coverage, or MedPay, is insurance that will pay for medical expenses for you and your passengers in the event of an accident, whether you are at fault or not. It will also pay for you if you are the passenger in someone else’s vehicle. Typically covered services include:
MedPay and personal injury protection (PIP) offer very similar coverage -- they both pay medical expenses for you and your passengers, whether you were at fault or not. There are a few differences, though:
MedPay is only available in states that do not require PIP. Only Maine and Pennsylvania mandate that all drivers have it, and New Hampshire residents who choose to get insured must purchase MedPay.
Besides Maine, Pennsylvania, and New Hampshire, most other states do offer MedPay as an option for interested drivers. States that do not offer it at all are: Minnesota, New York, North Dakota, and Oregon.
In most states, MedPay is optional. Adding it to your policy will increase your premiums, which can be tempting to avoid if it is not required. However, injuries from car accidents can be incredibly expensive, and most families are not prepared for this kind of sudden expense. If your medical insurance is not that great to begin with, it is a good idea to consider MedPay so you can avoid undue financial struggle after a serious accident.
We use our technology and deep understanding of the car insurance industry to bring you great rates. Compare-Auto-Insurance-Quotes.com offers easy comparisons of the top carriers so you don’t have to spend hours researching. For low rates on MedPay or any other type of coverage, look no further.
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