Health insurance will play a role in how much Medpay coverage you choose to buy. Things To Consider Before Adding Medpay to Your Policy Even though you are the at-fault driver, you can file a Medpay claim and your auto insurer should cover the full $1,000 medical bill. Your medical expenses total $1,000 and you have $1,500 in Medpay coverage. Say you suffer a neck injury after rear-ending the driver in front of you at a stop sign. If you were injured in an auto accident as a pedestrian or while riding your bicycle, then you typically are covered under Medpay. Medpay coverage follows the policyholder and not the vehicle for auto-related medical expenses. This does not apply to personal injury protection, which functions similarly to Medpay but is required coverage in no-fault states (more on that later). Medpay coverage is optional and is not a requirement for driving legally. Generally, a Medpay claims process will require you to forward all relevant medical records and bills to get reimbursed, up to the coverage limits. There is no deductible or copayment before coverage kicks in. Medpay coverage is specifically for medical expenses incurred as a result of a car accident, regardless of who is at fault. Medical expenses in excess of your Medpay coverage limit Loss of income due to injuries preventing you from returning to work You are not covered under Medpay for the following expenses and scenarios:īodily injuries or property damages to the other party in a car accident you causedĭamages to your vehicle (covered under collision) Medical payments (Medpay) coverage pays for medical and funeral expenses incurred as a result of a car accident. Medpay coverage in an auto policy will pay for the following medical or funeral expenses:Īuto accident injuries sustained as a pedestrian or bicyclistįuneral expenses if the car accident resulted in fatalities Beyond yourself, Medpay coverage will extend to your passengers and any household members (unless specifically excluded in your policy) driving your vehicle. Medpay coverage pays for these expenses regardless of who was at fault, so you will still be covered if you caused the accident. In an auto policy, medical payments (Medpay) coverage pays for medical and funeral expenses incurred as a result of a car accident. What Is Medical Payments Coverage for Car Insurance?
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