What MedPay is
Medical payments coverage is optional auto coverage in most at-fault states. It pays medical bills for you and your passengers after a crash, regardless of fault, up to a limit such as $1,000, $5,000 or $10,000. It can also pay health insurance deductibles and copays.
MedPay and your settlement
Some states and policies let your insurer recover MedPay from your settlement with the at-fault driver (subrogation). Others do not. The calculator flags the issue when you expect a settlement; your policy and state law decide the answer.
MedPay or PIP?
PIP, used in no-fault states, covers medical bills and lost income. MedPay covers medical bills only. A few at-fault states offer both.
Questions people ask
Does MedPay pay if the crash was my fault?
Yes. MedPay pays regardless of fault.
Is MedPay worth having if I have health insurance?
It can be, because it pays deductibles and copays and covers passengers who may not have insurance.