If I Already Have Health Insurance, Do I Need To Carry Medical Payments Insurance On My Auto Policy?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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If you are not in a no-fault state, you are probably not required to have medical payments insurance. Medical payments insurance pays medical expenses that result from an auto accident, regardless of who is at fault. It covers people riding in your car. It also covers you and your family if you are hit by a car while you are walking, or if you are injured while riding in someone else’s car (after the limits of the driver’s insurance are reached). Medical payments insurance will also pay for funeral expenses in the event of a death.

No-fault states have a form of medical expense coverage called Personal Injury Protection (PIP). In addition to medical bills, PIP covers lost wages, certain services (such as child care) that the covered individual is unable to perform, and some funeral expenses.

Some no-fault states allow you to make your health insurance your primary medical coverage, reducing your premiums for PIP significantly.

If you have adequate insurance for life, health and disability, you should consider saving money by not taking medical payments insurance (if your state allows) or minimizing medical payments insurance/PIP coverage.

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