Medical Payments (MedPay) Insurance Coverage
Medical Payments (MedPay) insurance coverage is an add-on required in Maine and Wisconsin but is voluntary in every other state in which it is available. MedPay coverage pays for accident-related medical expenses (up to your policy limits) for you and your passengers, regardless of who is at-fault for the accident. Liability insurance is required to add MedPay to your policy, and MedPay rates vary but can be as low as $3 per month.
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UPDATED: Feb 19, 2021
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- MedPay insurance covers medical expenses for you and your passengers after an accident (up to your policy limits) regardless of who is at fault
- MedPay insurance coverage policy limits are typically offered in increments of $1,000, $2,000, $5,000, $10,000, and $25,000, though you’ll need to speak with your insurance company to find out exactly what is available to you
- MedPay is voluntary (and not available everywhere), unless you live in Maine or Wisconsin, in which case it is required to drive legally
Wondering if you need Medical Payments (MedPay) insurance? What is MedPay insurance coverage? Does MedPay coverage replace health insurance? You’ve come to the right place for insurance advice. Read this article to learn everything you need to know about MedPay auto insurance coverage.
Need to buy MedPay auto insurance coverage? Take a minute to enter your ZIP code into the free tool on this page to get started comparing MedPay auto insurance coverage quotes.
What is MedPay insurance, and what does it cover?
MedPay coverage is an add-on to car insurance policies that can help cover the medical costs for you and your passengers if you’re in an accident, regardless of who is at fault. Examples of what MedPay typically covers include expenses like health insurance deductibles and co-pays, doctor visits, x-rays, surgery, ambulance fees, etc.
Do you need MedPay? MedPay coverage is mostly voluntary. However, according to the Insurance Information Institute (III), it is required in Maine and Wisconsin as a part of the liability coverage necessary to drive legally in those states. Take a look at our state minimum liability coverage chart to find out precisely what is required where you live.
MedPay also isn’t available everywhere, so you’ll need to speak with an insurance agent to find out if it’s available for you to purchase.
Coverage limits for MedPay are based on what you select but are usually offered in increments of $1,000, $2,000, $5,000, $10,000, and $25,000. Only you can decide how much coverage you need based on the other medical coverages you already carry and the likelihood that you’ll need MedPay. If you file a claim for MedPay, it will cover your expenses up to your policy limits, but anything beyond that will be your responsibility.
There are a few restrictions and exceptions to keep in mind when you purchase MedPay coverage:
- You can’t buy MedPay coverage if you don’t already have (or are also buying) liability insurance
- If you have a multi-vehicle policy, the MedPay limits must be the same for every vehicle on the policy
- MedPay coverage does not include any attachable vehicles or equipment like trailers
- If you’re injured while working, MedPay won’t cover you; instead, workers’ compensation should take precedence
Keep reading to learn more about how MedPay compares to other medical car insurance coverage.
What is the difference between MedPay and Personal Injury Protection?
MedPay and Personal Injury Protection (PIP) both cover medical costs of you and your passengers, regardless of who is at fault, but they are different coverages. PIP is specifically required in no-fault insurance states (and optional otherwise), while MedPay is mostly optional.
PIP also provides a broader range of coverage, including substitute services (services like childcare or cleaning that you would normally do yourself but can’t because of accident-related injuries).
What is the difference between MedPay and liability coverage?
Bodily injury liability coverage only covers the other driver(s) and passengers involved in an accident in which you are at-fault, not any of the expenses you or your passengers may face as the result of your at-fault accident.
Typically bodily injury liability includes coverage for most medical expenses, lost wages, legal fees, funeral costs, etc., up to policy limits.
How much does MedPay insurance coverage cost?
How much you’ll pay for MedPay varies based on several factors, most significantly your policy limits, your age, and what you drive. For example, we’ve summarized average MedPay costs for a 30-year-old driver in three different states, purchasing a $5,000 policy.
|State||Average Monthly MedPay Rates||Average Annual MedPay Rates|
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As we noted previously, these costs vary widely based on the policy limits you choose, your age, driving record, where you live, and more.
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MedPay Insurance Coverage: The Bottom Line
MedPay is primarily a voluntary coverage add-on (unless you live in Maine or Wisconsin, where it’s required) that helps with medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. You can add MedPay to your policy for a nominal fee in most cases, but you’ll need to work with your insurance agent to find out if it is available where you live.
Looking for affordable MedPay auto insurance coverage? Use your ZIP code in our free tool to start comparing MedPay auto insurance coverage rates today.