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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.
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.
People also ask
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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