Car Insurance Medical Payments Coverage
Medical payments coverage protects passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian.
What Is Medical Payments Coverage?
Medical payments coverage (sometimes known as Med Pay) is the part of your car insurance that covers medical expenses to treat injuries to you or your passengers from an accident involving your vehicle, up to your policy limits. It doesn’t matter whether the accident was your fault or not. Med Pay also covers you as a pedestrian if you are injured when another vehicle hits you. Coverages do vary by state, so be sure to check with your insurance representative to verify what your policy covers.
Is Medical Payments Coverage on Car Insurance Required?
Medical payments insurance is generally not required in most states. Whether or not it is required, consider getting it. As always, it’s a good idea to get guidance on how medical payments coverage may work for you, so check with your local independent agent or Travelers representative.