Medical payment coverage helps pay for medical and funeral expenses after a car accident. It's an optional form of car insurance that generally covers the policyholder, family members who drive the car, and passengers. Also known as medical payment coverage or MedPay, coverage applies regardless of who is at fault. If your health insurance covers car accidents, you'll likely have to pay a deductible or co-pay before the insurance takes effect.
If an accident were to occur, your health insurer would pay first and your auto insurer would provide secondary coverage through Personal Injury Protection (PIP). If you don't have a deductible and your health insurance covers car accidents, then you don't need MedPay. Coverage for medical payments through your car insurance could help you pay for those expenses and give you peace of mind. Choosing the health insurer for the PIP option may lower your premium, but you should ensure that your health insurer provides you with the right coverage in case you were injured in a car accident.
Health insurance normally covers medical expenses, but some policies exclude injuries related to a car accident. When you have a car accident and are considered to be the “at-fault” party, liability insurance (or liability coverage, as it is also known) pays the other parties in the accident when they are injured. After a car accident, the medical payment coverage under your auto insurance policy can cover several types of expenses.