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Medical Payments (MedPay) Car Insurance

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 17, 2021

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Key Takeaways

  • Medical payments (MedPay) covers medical bills you receive after you’ve been injured in an accident
  • You can pay as low as $2 a month for medical payments car insurance
  • MedPay limits are between $5,000 and $25,000

Did you know medical payments car insurance can pay for specific medical expenses?

Medical payments auto insurance provides coverage for costs that you usually have to pay for after an accident. But what else will medical payments insurance cover? Don’t worry – we’re here to help.

Read through this guide to learn more about medical payments car insurance quotes, how much it costs, and where you can secure cheap car insurance.

After you’ve learned everything about medical payments coverage, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

How does medical payments (MedPay) car insurance work?

Medical payments auto insurance covers the cost of medical expenses regardless of fault in an accident.

If you happen to be at fault in an accident, MedPay will cover the cost of healthcare bills if you have any injuries.

Medical payments will cover specific areas, including:

  • Ambulance fees
  • Hospital stays and visits
  • Doctor appointments
  • Funeral expenses
  • Surgeries
  • X-rays
  • Nursing services
  • Prosthetic limbs
  • Dental services (as a result of a car accident)
  • Bodily injury if you were injured as a pedestrian

Your MedPay coverage extends across the United States, and it covers other passengers if you were at fault in an accident. MedPay can also provide coverage if you were injured while riding as a passenger in another vehicle.

What does MedPay car insurance not cover?

Although MedPay auto insurance covers medical costs, it won’t cover specific situations. Check out the list below to see what MedPay won’t cover:

  • Lost wages
  • Child care expenses
  • Bodily injury costs for the other driver
  • Treatment of bodily injuries or other health issues before the accident

MedPay is strictly for medical-related expenses. Any personal injuries or wage reimbursement are excluded from MedPay coverage.

How much are medical payments car insurance rates?

MedPay auto insurance rates are between $2 and $37 a month. However, several factors determine which provider is the most affordable medical payments car insurance company for you.

One of the most significant factors is your MedPay coverage limits. Some auto insurance companies can provide up to $25,000 in MedPay coverage.

The higher your MedPay limits, the more you’ll pay for coverage per month.

Before you buy medical payments car insurance, compare multiple companies to make sure you’re getting the best deal.

Check out our car insurance by state article for more details on insurance in your local area.

Where can I find MedPay car insurance?

You can find MedPay car insurance at the best insurance companies. But some states have MedPay attached to car insurance requirements.

Here is a list of states that require MedPay auto insurance:

  • Maine
  • Wisconsin
  • New Hampshire*
  • Pennsylvania

According to the Insurance Information Institute, Maine and Wisconsin have MedPay listed under the minimum auto insurance requirements.

New Hampshire is the only state that doesn’t have mandatory car insurance requirements. But, any driver who purchases auto insurance in New Hampshire must include MedPay coverage.

In all other states, MedPay is optional. However, we recommend adding medical payments to your policy to ensure you’re ready for worst-case scenarios.

What’s the difference between medical payments and personal injury protection (PIP)?

While MedPay focuses on covering medical expenses, PIP provides coverage for lost wages, child care expenses, household cleaning costs, and funeral expenses.

If you happen to have PIP and MedPay, you can rest assured that any medical costs will be paid in full.

What’s the difference between MedPay and bodily injury liability?

MedPay is a no-fault insurance option, but bodily injury liability is an at-fault coverage. Bodily injury liability is one of the main parts of liability auto insurance.

Your bodily injury liability coverage pays for injuries of other drivers if you’re at fault in an accident. MedPay covers you and your passengers regardless of fault.

Medical Payments Car Insurance: What’s the bottom line?

MedPay can provide extra options for coverage after an accident. Think of it as supplemental health insurance, except your coverage specifically targets car incidents.

Combine MedPay with PIP and get the complete package to ensure you get everything you need if you’re faced with bodily injury.

Now that you know more about medical payments car insurance, use our free comparison tool below to compare multiple companies near you.

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