Candace Baker, Car Insurance Writer
@candacebaker
Yes, Esurance has MedPay in almost every state it serves, though Esurance car insurance customers are only required to carry MedPay if they live in Maine or New Hampshire. Medical payments coverage (MedPay) is a type of car insurance that covers a policyholder's medical bills after any accident regardless of fault.
This coverage overlaps with personal injury protection (PIP) and health insurance, but it covers fewer expenses and is usually cheaper. Even if you already have PIP or health insurance, MedPay coverage could still be a good investment due to its low cost and ability to cover copays, deductibles, and coinsurance.
Esurance no longer sells new policies, but current Esurance customers can go online or call 1-800-378-7262 to see whether their policy has MedPay coverage.
To learn more, check out WalletHub's guide to medical payments coverage.
People also ask
What is the difference between medical payments and bodily injury coverage in auto insurance?
In auto insurance, the difference between medical payments and bodily injury coverage is that medical payments (MedPay) insurance covers the policyholder, while bodily injury coverage applies to a third-party. Liability insurance only ever pays for damage caused to others, but MedPay applies regardless of fault. In addition, bodily injury coverage is required in almost every state, while medical payments insurance is only required in Maine and New Hampshire.
Medical Payments vs. Bodily Injury Auto Insurance Coverage
... read full answer by WalletHub, Financial CompanyHow do I file a Med Pay claim?
To file a Med Pay claim, start by notifying your car insurance company of the accident and giving your health care provider the details of your policy. Many hospitals and doctors will bill auto insurance policies directly, and even if they don’t, you will be reimbursed by your insurer.
If you have health insurance, you can use it to immediately cover your bills while you wait for your Med Pay claim to be approved....
read full answer by WalletHub, Financial CompanyHow much medical payments coverage do I need?
You need $1,000 or $2,000 in medical payments (MedPay) coverage in the two states that require it: Maine and New Hampshire. If MedPay is optional in your state, the exact amount of MedPay that you need depends on a few factors, including what other types of insurance you have and how robust your emergency fund is. Even if you have overlapping coverage, like personal injury protection (PIP) or health insurance, MedPay is generally a good investment because it is...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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