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Protect Yourself With Medical Payments Coverage

Depending on the severity of the injuries suffered in an automobile accident, it’s not uncommon for health care costs to run into the thousands of dollars. This is where medical payments coverage (also known as “med pay”) can really make a difference.

Medical payments coverage protects you and your passengers

This coverage helps pay medical costs for you and your passengers in the event of a covered auto accident. This may include hospital and ambulance bills, as well as doctor visits and other necessary medical treatments.

Here's how it works: If you have a covered accident while a friend is riding in your car and his arm is broken, your medical payments coverage may reimburse him for his medical expenses subject to your policy coverage limits.


How PIP works


With standard auto liability insurance, the insurance company of the driver responsible for an accident pays the costs resulting from a covered accident (up to the policy’s limits). Personal injury protection is a “no-fault” coverage and is required in some states. "No-fault" means that regardless of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance


PIP coverage can include medical expenses, lost wages and more

Personal injury protection may pay for as much as 80% of medical and other expenses that result from a covered accident, depending on the limits of the policy. This may include medical treatment of the injuries suffered by you and your passengers as well as medical expenses you might incur if injured as a passenger in another car or as a pedestrian. Additionally, PIP insurance may cover:

  • Service replacement of someone injured in a covered car accident
  • Rehabilitation costs
  • Funeral costs


Medical payments coverage complements your personal health insurance


This insurance may bridge the gap by paying for services that your health insurance doesn't cover, such as dental work, specialized nursing care and chiropractic services related to a covered accident subject to your policy coverage limits. Be sure to review your current health care coverage to determine if medical payments coverage is right for you.

It may cover more than the driver and passengers

Some medical payments insurance extends beyond the driver and passengers. For instance, an insured person may also receive auto insurance medical payments for injuries sustained while driving or riding in another person’s vehicle. A person may be covered as a pedestrian if hit by a car while walking.

PIP vs. medical payments coverage

While it doesn’t usually make sense to have both, keep in mind that PIP covers more expenses than medical payment insurance, but it carries a deductible. On the other hand, medical payments could be the better choice in situations that involve passengers, since they would still be considered covered if the accident was a covered incident.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

MEDICAL PAYMENTS & PERSONAL INJURY PROTECTION (PIP)