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Key Takeaways

  • Medical payments coverage, sometimes known as MedPay, is a supplementary coverage option for auto insurance policy in the majority of states.
  • Medical payments coverage is still in place, regardless of who was found to be at blame for the collision.
  • Keep in mind that any medical expenses that exceed the cap on your insurance are your responsibility.
  • Your home insurance policy's medical payments to others, commonly known as Coverage F, is designed to cover a visitor's medical expenses if they get hurt while on your premises.
  • Your deductible and other out-of-pocket payments may be covered by MedPay.

What is Medical Payments Coverage?

In most states, supplementary coverage options for auto insurance policies include medical payments coverage, generally known as MedPay. Even if you are at fault in a car accident, this coverage may be able to assist with covering you or your passengers' medical costs. Although it is provided in the majority of states, MedPay isn't given in every one of them. Personal injury protection (PIP) coverage is often available in states without MedPay.

What do medical payments cover?

Only bodily injuries directly linked to an automobile accident are covered by MedPay. No matter who was deemed to be at fault in the collision, medical payments coverage is still in effect. Following an incident, MedPay pays for expenses like:

  • Medical assistance
  • Ambulance and EMT fees
  • Hospital costs, such as those for X-rays
  • Aftercare costs
  • Funeral costs

Two special characteristics of MedPay are:

If you sustain an injury outside of your car, medical costs coverage is applicable. MedPay would reimburse the expenses if you were hurt while riding a bike or as a pedestrian.

Instead of following the vehicle, MedPay follows the policyholder (like car insurance). For instance, medical payments insurance would protect you if you were riding in a friend's car and there was an accident.

How does medical payments coverage work?

After an accident, you would pay your medical fees in full and request reimbursement from your MedPay provider. Deductibles and copays, which are frequently related to health insurance, won't be required of you.

Your health insurance would cover the majority of your medical expenses if your MedPay is regarded as supplementary coverage. You might utilize MedPay to pay for your copays or deductibles.

The MedPay coverage limits are often modest. They are primarily designed to augment other types of insurance or to pay for immediate medical and burial costs following an accident. Additionally, rather than MedPay, you are covered if you suffer an injury at work through workers' compensation.

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What is covered by Auto Insurance Medical Payments?

Your vehicle insurance policy's medical payments coverage might cover a variety of costs following a collision. Typically, these include:

  • Ambulance and EMT fees
  • Hospital stays and visits
  • Seeing a doctor
  • X-rays and surgery
  • Professional care and nursing services
  • Prosthetic limbs
  • Due to an accident, dental surgery was performed
  • Injuries you sustain if a car hits you while you're walking or riding a bicycle
  • Funeral expenses

What is not covered by Car Insurance Medical Payments?

MedPay does not pay for:

  • Cost overruns under your policy's cap.
  • Wage recompense if an injury prevents you from working.
  • If an accident limits you, child care expenses.
  • Treatment for any injuries that might cause a collision with other drivers.
  • Treatment for wounds or medical conditions unrelated to auto accidents.

How much can medical payments car insurance cost?

The maximum dollar payout that MedPay policyholders select influences the premium cost. Your auto insurance price will increase if you select a greater maximum. Through your online account or by phone, you may always add medical payments coverage to a policy.

The coverage limits per incident and the additional cost to the monthly premium for a hypothetical 30-year-old married man driving a Toyota Camry in Indiana are shown in the examples below. Depending on how much MedPay protection you get, costs might range from an additional $2 per month to $37 per month. Your choice should be based on the overall cost of your insurance.

Cost by insurer and coverage limit per accident

Insurer $1,000 $2,000 $5,000 $10,000 $25,000
State Farm $13.56 N/A $15.20 $16.37 $19
Esurance $20 $24 $32 $38 $44
Allstate $17.10 $19.00 $20.48 $40.56 $49
Progressive $18 $21 $29 $38 $47

The most popular MedPay coverage limits among the five businesses we examined were $1,000, $2,000, $5,000, $10,000, and $25,000. State Farm provided larger limitations, such as medical payments up to $50,000 and $100,000.

MedPay in auto insurance: State by State options

State MedPay Availability State MedPay Availability
Alabama Yes, optional Nebraska Yes, optional
Alaska Yes, optional Nevada Yes, optional
Arizona Yes, optional New Hampshire Required
Arkansas Yes, optional New Jersey Yes, optional
California Yes, optional New Mexico Yes, optional
Colorado Yes, optional NewYork Yes, optional
Connecticut Yes, optional North Carolina Yes, optional
Delaware Yes, optional North Dakota Yes, optional
Florida Yes, optional Ohio Yes, optional
Georgia Yes, optional Oklahoma Yes, optional
Hawaii Yes, optional Oregon Yes, optional
Idaho Yes, optional Pennysylvania Required
Illinois Yes, optional Rhode Island Yes, optional
Indiana  Yes, optional South Carolina Yes, optional
Iowa Yes, optional South Dakota Yes, optional
Kansas Yes, optional Tennessee Yes, optional
Kentucky Yes, optional Texas Yes, optional
Louisiana Yes, optional Utah Yes, optional
Maine Required Vermont Yes, optional
Maryland Yes, optional Virginia Yes, optional
Massachussets Yes, optional Washington Yes, optional
Michigan Yes, optional West Virginia Yes, optional
Minnesota Yes, optional Wisconsin Yes, optional
Mississipi Yes, optional Wyoming Yes, optional
Missouri Yes, optional Washington DC Yes, optional
Montana Yes, optional    

What's the difference between liability coverage and medical payments coverage?

Insurance for medical expenses is optional. Therefore, if you cause a car accident and don't have medical payments coverage, you will be responsible for paying your own medical bills out of pocket.

On the other hand, most states have laws requiring auto liability coverage. After a car collision, neither you nor your passengers' medical expenses will be covered by your auto liability insurance.

The bodily injury liability section of your auto insurance helps cover the other party's medical costs if you cause a car accident. Likewise, if another driver causes an accident that results in your injuries, their auto liability insurance may assist in covering your medical expenses.

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Medical payments coverage limits

The most your insurance company will spend for a covered loss is known as the coverage limit for medical payments insurance. When you purchase coverage, you can pick your own limit. Keep in mind that you are responsible for any medical costs that go over your coverage's maximum.

If you need assistance determining the right coverage limit for your requirements, you might wish to consider the cost of immediate medical care following a car accident.

Say, for instance, that following an accident, you needed to visit the emergency hospital with injuries. Your health insurance may cover some of the cost of the ER visit, but you might also be responsible for a $2,000 deductible and a co-insurance payment.

Your car insurance policy's medical costs coverage could be useful in this situation. If you had chosen a $3,000 coverage limit in the aforementioned case, your medical payments insurance could have assisted in covering your health insurance deductible as well as a part of your copay for your ER visit.

What is medical payments coverage in homeowners' insurance?

Medical payments to others also referred to as Coverage F in your home insurance policy, is set aside to pay for a visitor's medical bills if they sustain an injury while on your property. For instance, if the babysitter stumbles and breaks a bone, your medical payments coverage will take effect and pay for the babysitter's hospital care. In comparison to your liability limit, Coverage F coverage limitations are sometimes fairly low; they normally fall between $1,000 and $5,000.

How is MedPay coverage different from liability insurance?

Liability limits are significantly greater than MedPay limits since liability covers more than just medical costs. This is the main distinction between liability and MedPay. Legal costs are also covered by liability insurance in the event that you are held liable for another person's injuries. Liability, on the other hand, only covers bodily injuries with a significantly lower cap, whereas MedPay also covers property damage.

By resolving modest disputes, MedPay is intended to assist you in avoiding potential litigation. It simply covers the injured person's medical costs, regardless of who was at blame and lacks the breadth of coverage that responsibility offers.

Bottom line

Although not all insurers offered coverage at the same levels, we calculated the cost to add medical payments at five different levels of coverage ranging from $1,000 to $25,000.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What is the difference between bodily injury and medical payments?

Liability limits are significantly greater than MedPay limits since liability covers more than just medical costs. This is the main distinction between liability and MedPay. Legal costs are also covered by liability insurance in the event that you are held liable for another person's injuries. Liability, on the other hand, only covers bodily injuries with a significantly lower cap, whereas MedPay also covers property damage.

By resolving minor grievances, MedPay is intended to assist you in avoiding potential litigation. It simply covers the injured person's medical costs, regardless of who was at blame.

Do you need medical coverage on car insurance?

In most places where it is available, MedPay is an optional policy, so you're generally not forced to get it. However, if you're unsure of covering your own medical bills after a car accident, let alone those of your passengers, it might sound right for you to do so. If you have health insurance, MedPay can also assist in paying for your deductible and other out-of-pocket expenses. Consider MedPay if you don't have health insurance to give yourself peace of mind and possibly escape the financial burden of high medical costs.

How much MedPay coverage should I have?

Depending on your unique demands, you should think about carrying a certain amount of MedPay coverage. It could make sense to carry more coverage than you think you need because increasing your MedPay coverage limits typically comes at a low cost. You might find it helpful to assess the appropriate level of medical payment coverage for your particular circumstances by speaking with a licensed insurance representative.

Do I need MedPay if I have health insurance?

That depends on the state where you reside. If you live in one of the 12 no-fault states, you're probably required by law to get PIP coverage. Different state legislation may call for MedPay. MedPay is not required in some states, though.

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