What is medical coverage on an auto policy?

What Does Medical Payments Coverage (Med Pay) Cover on Your Auto Insurance?

When you think about auto insurance, you probably think about coverage for damage to your vehicle or injuries you may cause to someone else. But there is another coverage on your auto policy that can be extremely valuable after an accident: Medical Payments Coverage, commonly called Med Pay.

So, what exactly does Med Pay do?

What Is Med Pay?

Medical Payments Coverage is designed to help pay for reasonable medical expenses resulting from injuries sustained in an auto accident, subject to the limits of your policy.

One of the biggest benefits is that Med Pay generally applies regardless of who caused the accident.

Depending on your policy and state law, Med Pay can help cover medical expenses for:

  • You, as the driver

  • Passengers in your vehicle

  • Family members who are injured while occupying a covered vehicle

  • In some circumstances, you or family members as pedestrians if struck by a vehicle

What Can Med Pay Help Pay For?

Med Pay can help with eligible expenses related to injuries from an automobile accident, such as:

  • Emergency room visits

  • Ambulance services

  • Doctor visits

  • Hospital bills

  • X-rays and diagnostic testing

  • Surgery

  • Medical treatments

  • Dental treatment for accident-related injuries

  • Other reasonable and necessary medical expenses covered by the policy

The exact expenses covered can vary based on your policy, so it is important to review your individual coverage.

Do I Have to Be at Fault?

This is one of the most important things to understand about Med Pay.

Med Pay is generally a no-fault coverage.

That means you may be able to use your Med Pay coverage for covered medical expense

RACHEL ALBIN