Medical payments coverage, also known as MedPay coverage, pays medical expenses for you and any passengers in your vehicle who are injured during an accident or auto-related injury.

Medical payments coverage protects you regardless of who caused the accident.

Since medical payments coverage protects you, your family, your employees and other passengers in your vehicle, it can be an important insurance to help protect both you and those you care about.

Medical payments coverage is mandatory in some states and not available in other states or situations. Contact us to learn what coverage options are available for your business.

You must select a limit for your medical payments coverage. This limit determines the maximum amount your insurance company will pay for each person involved in an accident.

Example 1:
You're driving in your lane when an out-of-control vehicle runs you off the road.

Your vehicle looks fine, but your arm really hurts after it hit the steering wheel. Your wife, who was riding with you, hit her forehead on the side window and now has an ugly lump and a bad headache.

If you chose medical payments coverage and selected a $2,000 limit, your insurance would pay the $1,000 charge to have your arm x-rayed and the $750 for your wife's doctor visit.

Since each of your expenses was less than your $2,000 per-person limit, medical payments coverage would cover your medical costs.

Example 2:
You accidentally slam the truck door on your hand. Fortunately, you selected medical payments coverage with a $1,000 limit.

Your total bill for an x-ray and cast is $1,500. MedPay will cover $1,000 of the bill, and you will be responsible for the remaining $500.


To purchase medical payments coverage, you must also selected primary auto liability insurance.

• MedPay limits must be the same for all vehicles on a multi-vehicle policy.
• Medical payments coverage is available only for vehicles and cannot be applied to trailers or similar attached equipment.

Medical payments coverage will not apply to a person who is injured during the course of employment when worker's compensation should apply.

Even if you have health insurance, medical payment coverage can be used in most instances to cover your deductible and/or co-payments. Coordination of benefits may be required.