What is Medical Payments Coverage?


Medical payments coverage is part of an auto insurance policy. It may help pay your or your passengers’ medical expenses if you’re injured in a car accident, regardless of who caused the accident. This coverage is optional and not available in all states.


Medical payments coverage is sometimes called medical expense coverage, or just “med pay.”




If you’re injured in a car accident, medical payments coverage may help pay the following expenses for you or your passengers:


Health insurance deductibles and co-pays

A doctor or hospital visits

Surgery, X-rays or prostheses

Ambulance and emergency medical technician fees

Professional nursing services



Medical payments coverage is optional. So, if you cause a car accident and don’t have medical payments coverage, you would have to pay out of your own pocket for your medical bills.

On the other hand, auto liability coverage is required by law in most states. Your auto liability coverage will not pay for your or your passengers’ medical bills after a car accident.

If you cause a car accident, the bodily injury liability portion of your car insurance coverage helps pay for the other party’s medical expenses. Likewise, if another driver is at fault for an accident that injures you, their auto liability coverage may help pay for your medical bills.

In Connecticut, state law dictates that Med Pay must be used before any bills can be submitted to your health insurance carrier.  If there is no Med Pay coverage, then your car insurance carrier will send a letter indicating that.  Once that letter is obtained, providers may then bill health insurance.



Medical payments insurance has a coverage limit, which is the maximum amount your insurer will pay for a covered loss. You can choose your limit when you buy coverage. Remember, any medical expenses that exceed your coverage limit are your responsibility.

If you need help choosing a coverage limit that fits your needs, you may want to think about the cost of short-term emergency medical expenses after a car accident.

For example, say you had to go to the emergency room with injuries after an accident. Your health insurance might pay for some of the ER visits, but your health coverage may require you to pay a $2,000 deductible and a co-insurance payment for the emergency medical services.

That’s where medical payments coverage on your car insurance policy may help. In the above scenario, if you had selected a coverage limit of $3,000, your medical payments insurance could help pay your health insurance deductible and some of your co-pay for your ER visit.