What is Medical Payments Coverage (MedPay)?
Updated January 24, 2026
Optional auto insurance that pays medical expenses for the policyholder and passengers regardless of fault, without the restrictions of PIP coverage.
Understanding Medical Payments Coverage (MedPay)
MedPay covers medical bills, ambulance costs, and sometimes funeral expenses. Unlike PIP, MedPay typically has no deductible and no restrictions on treatment providers. It can supplement health insurance by covering deductibles and copays.
Examples
- 1MedPay covering emergency room visit
- 2Using MedPay to pay health insurance deductible
- 3Passenger claiming under driver's MedPay
Related Terms
Personal Injury Protection (PIP)
No-fault auto insurance coverage that pays medical expenses and lost wages regardless of who caused the accident.
Uninsured Motorist Coverage
Insurance coverage that protects you if you're injured by a driver who has no liability insurance or insufficient coverage to pay for your damages.
No-Fault Insurance
An auto insurance system where each driver's own insurance pays for their medical expenses and lost wages regardless of who caused the accident.
Total Loss
When a vehicle is damaged to the extent that the cost of repairs exceeds the vehicle's actual cash value, or when the vehicle cannot be safely repaired.
Bad Faith Insurance
When an insurance company unreasonably denies, delays, or underpays a valid claim, or fails to properly investigate or defend its insured.
For Motor Vehicle Collision cases
The record behind a term like this one is built by the client, not the file.
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