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How Does MedPay Work?

Medical Payments Coverage, or MedPay, provides coverage for medical expenses after an accident for you and your passengers, regardless of who is at fault. It will also cover you if you are involved in an accident as a passenger in someone else’s vehicle. Here are some examples of what MedPay might specifically cover:

  • Hospitalization
  • Ambulance rides
  • Rehabilitation

These are just a few examples of what MedPay will likely cover for you. Actual services covered will depend on your policy.

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MedPay and PIP: What’s the Difference?

While MedPay and Personal Injury Protection (PIP) coverage are incredibly similar -- most notably in that both offer coverage for medical costs in the event of a car accident -- there are certain key differences between the two to keep in mind:

  • State availability: MedPay and PIP availability vary by state. MedPay is an option in most states, while PIP is typically only sold in no-fault or tort states.
  • Coverage: There are notable differences between what PIP and MedPay can cover you for -- one major example is that PIP can cover lost wages, while MedPay does not.
  • State Minimums: PIP is required as part of state minimum insurance in a total of 14 states, while MedPay is only required in two. Check your local requirements to see which, if either, you need.

Is MedPay Worth the Money?

That depends on where you live, how your health insurance is, and how much coverage you need to feel comfortable on the road. If you’re a driver in Maine and Pennsylvania, MedPay is required as a part of state minimum insurance. For drivers elsewhere that have MedPay as an option, opting for MedPay can offer your family far more protection than simple state minimum insurance will -- car accidents can’t be predicted, and the truth is that most families are not equipped to pay sudden medical bills. If your health insurance isn’t that great to begin with, and you’re interested in peace of mind on the road, MedPay can be a great option to provide you and your family with that added protection.

Get affordable MedPay options today. Check rates and see what you can save by going with Direct!

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