What Is Medical Payments Coverage

It is normal for any driver to worry about potential accidents and the costs associated with treating injuries. In many cases, all your worries can be solved by acquiring medical payments coverage. Find out more about this policy and get an online auto quote.

online auto quoteMedical payments (also known as medical expense or MedPay) coverage helps pay for medical and funeral expenses associated with auto accidents. It is an option available with auto insurance policies and usually covers expenses for the policyholder, passengers, and family members driving the insured vehicle at the time of an accident.

Medical payments coverage will pay for these payments regardless of who is at fault in an accident. It will pay up to the per accident limit allowed on your car insurance policy.

There are a number of expenses related to an automobile accident that can fall under your insurance policy’s medical payments coverage. These typically relate to any costs incurred for medical care that you, or any covered member of your policy needs. They include:

  • EMT and ambulance fees
  • Hospital visits and stays, doctor visits
  • Surgery and X-Rays
  • Professional nursing services and care
  • Prostheses
  • Dental procedures needed as a result of an accident
  • Injuries sustained as a pedestrian or riding a bicycle if a vehicle hits you
  • Funerals

There are two ways that MedPay works: through direct reimbursement as primary coverage, or as a supplement to your existing health insurance coverage. It depends on your policies, and whether you live in a no-fault state.  Policyholders choose a limit that their medical payments coverage will pay out, and that determines the increased cost of their auto insurance policy. The higher the limit a policyholder wants, the more the option will increase their auto insurance rates. If you have Medpay, PIP and health coverage, you must talk with an agent and see which policy will pay first.

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