What are Medical Payments?
Medical payments, also known as MedPay, are an optional type of auto insurance coverage that pays for medical expenses incurred as a result of a car accident, no matter who is at fault. This coverage helps pay for necessary and reasonable medical and funeral expenses related to the accident, including hospital visits, surgery, X-rays, and even ambulance fees.
MedPay ensures quick payment of medical bills without having to wait for liability disputes to be resolved. It provides supplementary coverage to health insurance, filling in gaps for out-of-pocket expenses such as deductibles or co-pays. This is especially useful in minor accidents where immediate medical attention is required.
For example, if you are in an accident and need emergency medical care, MedPay can help cover your medical costs so you’re not burdened with high bills. It also covers passengers in your vehicle, offering broader protection. In some cases, it can also provide coverage if you are injured as a pedestrian or cyclist in a car accident.