Is medical payments coverage required in North Dakota? This question is about Medical Payments Coverage (MedPay)

Is medical payments coverage required in North Dakota?

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This question is about Medical Payments Coverage (MedPay)

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@WalletHub • 09/01/21 This answer was first published on 09/01/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, medical payments coverage is not required in North Dakota, and it is not even available. Instead of medical payments coverage, also known as MedPay, drivers in North Dakota are required to buy PIP (personal injury protection) insurance, which provides similar coverage for medical expenses after a car accident.

Specifically, North Dakota drivers need to buy at least $30,000 per person in PIP insurance. For more information, check out WalletHub’s guide to how much car insurance to get in North Dakota.

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What does medical payments insurance cover?

Medical payments insurance (MedPay) covers medical bills for the policyholder and their passengers after a car accident, regardless of who was responsible for the crash. For example, MedPay covers hospital and ambulance expenses, nursing costs, funeral expenses, and the deductibles or copays of other types of insurance. It’s also worth noting that MedPay applies to named drivers even if they were passengers, pedestrians, or cyclists when the car accident occurred. MedPay does not cover indirect...

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Do I need medical payments coverage if I have health insurance?

No, you don’t need medical payments coverage if you have health insurance, unless you live in Maine or New Hampshire. Medical payments (MedPay) insurance can still be a good investment even if you have health insurance, though, because it covers out-of-pocket healthcare costs like deductibles, copays, and coinsurance.

MedPay is a type of car insurance that covers the policyholder’s medical expenses after an accident, regardless of who was at fault. MedPay also applies to passengers...

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How much is car insurance in Alabama per month?

Car insurance in Alabama costs $48 per month or $577 per year for minimum coverage, on average. The cheapest car insurance companies in Alabama are Geico, USAA, and Western National, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in Alabama is 30% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Alabama,...

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