Is medical payments coverage required in Utah?

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 expenses resulting from injuries, like lost wages or childcare.... read full answer

What Medical Payments Insurance Covers

• Medical expenses after a car crash for any driver named on the policy
• Medical bills for passengers in a covered vehicle
• Funeral costs
• Deductibles, coinsurance, and copays of other insurance policies

MedPay is only required in Maine and New Hampshire (if drivers choose to buy car insurance). However, it can still be a smart investment for drivers even if it’s not mandatory, since it’s generally inexpensive. For example, MedPay might be worth it if your health insurance plan requires high out-of-pocket costs or if you don’t have health insurance.

For more information, check out WalletHub’s complete guide to MedPay.

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 in a covered vehicle. Given that it usually costs less than $10 per month, MedPay is often worth it for drivers without health insurance, as well as for drivers whose health insurance requires high out-of-pocket expenses.... read full answer

For more information, check out WalletHub’s complete guide to MedPay insurance.

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 Cincinnati Insurance, USAA, and Country Financial, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in Alabama is 14% lower than the ... read full answernational average auto insurance premium. There are several factors that affect how much you’ll pay for car insurance in Alabama, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.

Average Cost of Car Insurance in Alabama by Category

• After an at-fault accident: $220 per month
• Driver with poor credit: $81 per month
• Teen driver: $251 per month
• After a DUI: $84 per month

Average Cost of Car Insurance in Alabama by Company

Note: Rates are an approximation based on a 45-year-old man in Alabama with a clean driving record. Actual rates will vary.

Average Cost of Car Insurance in Alabama by Age

Note: Rates are an approximation based on a driver in Alabama with minimum coverage and a clean driving record. Actual rates will vary.

How to Lower the Cost of Car Insurance in Alabama

1. Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
2. Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
3. Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
4. Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.

To learn more, check out our guide to how much car insurance you need in Alabama as well as our picks for the cheapest car insurance companies in Alabama.